# BECU Early Saver: 5.12% APY

Canonical: https://dealaka.com/offers/becu-early-saver-rate

- Status: Limited reports
- Bonus: 5.12% APY
- APY: 5.12% (ongoing APY on first $500)
- Requirement: No minimum balance, tiered rates
- Expires: no published end date
- Availability: Nationwide
- Institution: BECU
- Verified: Aug 2, 2026 against becu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Early Saver.
2. Complete the requirement: No minimum balance, tiered rates.

## Fine print that matters
- 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

## Sources
- becu.org rate page <https://www.becu.org/everyday-banking/youth-banking> (checked Aug 2, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._