800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Minor Share Savings

Learning to save early can shape a lifetime of financial confidence. A Minor Share Savings account makes it easy to build positive habits with an account designed for flexibility and growth. It’s a simple step toward helping the next generation feel more confident about money.
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Quick Facts

What sets our Minor Share Savings account apart

A Minor Share Savings account is a great option for kids under 18, and it grows with them. Get the same great rates and dividends as the grownups with fewer restrictions. A minor who is eligible to be a member can open a Credit Human Share Savings account online with a custodian or guardian.

Minor account holders get:

  • Unlimited free withdrawals with no minimum balance requirement
  • Dividends paid quarterly on minimum daily balances of just $5
  • Minor Share Savings account terms convert to regular Share Savings terms upon the account holder’s 18th birthday.
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A strong start begins with savings

Help your child learn how to save with a Minor Share Savings account and help them build a lifelong savings habit.

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Saving for a financially healthy future

Families can use a Minor Share Savings account as a hands-on way to introduce children and teens to money management in everyday life. By helping them save regularly, set goals and see their balance grow over time, it builds habits that support long-term financial health. Guided conversations about spending, saving and progress can turn small moments into meaningful learning. Over time, this foundation helps young savers develop confidence, make informed choices and feel more in control of their financial future.

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FAQ

Minor Share Savings frequently asked questions

Take a look at the most common questions we get about our Minor Share Savings account. If you have more general questions, or you’re looking for support options, check out our support center.
See more FAQs in our support center
Can I open a Minor Share Savings for my grandchild?
Minors who are eligible for Credit Human membership can open a Share Savings account with their parent, custodian, or guardian.
What happens when the account holder turns 18?
On the account holder's 18th birthday, the Minor Share Savings account automatically converts into a regular Share Savings account.

Share Savings account rates

Rates effective as of 08-14-2026

Account balance Dividend rate APY
$100.00 and up 0.50% 0.50%

Disclosures

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts. Balance tier determines daily dividend rate and annual percentage yield on the daily account balance. Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Member Service Representative or call the Credit Human Member Service Center at 1-800-688-7228. Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.
Your money is safe here

Credit Human deposit accounts are federally insured through the NCUA

As a Credit Human member, your deposits—checking, savings, certificates and IRAs—are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance below to maximize your coverage, estimate your coverage online or call our Member Service Center for further information on your insured funds.

Visit the NCUA website to learn more
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