{"slug":"becu-early-saver-rate","category":"bank","institutionSlug":"becu","product":"Early Saver","title":"BECU Early Saver: 5.12% APY","bonus":"5.12% APY","unit":"cash","amount":0,"reqShort":"No minimum balance, tiered rates","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"becu.org","applyUrl":"https://www.becu.org/everyday-banking/youth-banking","summary":"BECU's Early Saver account pays 5.12% APY on the first $500 deposited for children under 18, and 0.20% APY on balances above $500. There are no monthly maintenance fees or minimum balance requirements to open the account.","reqSteps":[],"finePrint":["Higher interest rate of 5.12% APY applies only to the first $500 deposited","Balance above $500 earns 0.20% APY","No monthly maintenance fees","No minimum balance requirements","Federally insured by NCUA up to $250,000 per account ownership and category","Rates are subject to change"],"apy":512,"apyTerm":"ongoing APY on first $500","listedOn":"2026-08-02","listedAt":"2026-08-02T13:14:44.979Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"becu.org rate page","url":"https://www.becu.org/everyday-banking/youth-banking","checkedOn":"2026-08-02"}],"needsVerification":false}