Skip to Content
EMAIL OR CALL US AT 1.800.360.6362
Site Search
Right down the line.

Online Banking

Young Savers

Good savings habits to last a lifetime.

It’s never too young to start saving for the future. For our members who are 25 years and younger, our Youth Savers Account makes it easier to grow your money by paying a monthly dividend on balances of $100 or more. That means your money isn’t just sitting around—it’s actually working harder for you.

Checking & Savings

Here’s an example.

Let’s say your parents start depositing the money you receive from them and other relatives for your birthday, holidays and special occasions into your Young Savers Account. And for the sake of this example, let’s say that the sum total of these deposits is $500 per year.

By your 21st birthday, here’s what you’ll end up with:

Initial Deposit $500
Term of Deposit 20 Years
Annual Interest Rate 1.15% APY*
Additional Deposits $500 Annually
Total Deposits After 20 Years $10,000
Total Interest Earned $1,366.68
Total Amount in Savings After 20 Years $11,866.68


Our Young Savers Account features:

  • Interest compounded and applied monthly
  • Tiered interest rates
  • No monthly fees

As you can see, your credit union has a strong commitment to help kids develop the skills and habits they’ll need throughout life to lead them to a bright and successful future.

You may also be interested in a national financial initiative called Biz Kid$. It’s based on an award-winning public television series about kids, money and business. You can watch the latest episode here. You can also use this link to go back and review the videos in Seasons One, Two and Three.

Plus, our savings accounts are federally insured to at least $250,000 and are backed by the full faith and credit of the National Credit Union Administration (NCUA), a U.S. government agency, so you know your money is secure. Find out more information about this guarantee here.


The current Annual Percentage Yield (APY) for OTGF Young Savers Accounts. The APY quoted is subject to change without notice.