Son saving money in piggy bank with father

Empowering Kids Savings

Start earning a
3.04%
APY*
dividend rate

Empower Young Savers

Kickstart your child's financial journey with a fun savings account designed for ages 0-13. This account offers a hands-on approach to learning about money while developing smart saving habits—all in an engaging, enjoyable environment.



Account Details

Qualifications
  • Membership eligibility
  • $5 minimum balance to open (one credit union share)
  • Age 0-13 (at 14, their balance is transferred to an Empowering Teens account)
  • A parent or guardian must be joint on account (Parent or guardian must be present to sign at the time account is opened)    
Features
  • Earns 3.04% APY on the first $1,000 deposited
  • No balance requirement 
  • New and existing members can get a FREE Unison Digital Bank
  • Deposit Incentives - members who deposit $5 or more into their account will receive a prize each time
  • Club events and giveaways throughout the year
  • Dividends earned daily
  • Dividends paid monthly
  • Monthly statement with checking and electronic transaction
  • Quarterly statement, if monthly statement isn’t given
  • Unlimited transfers and withdrawals in person, at an ATM or by mail
  • 24/7 account access:
Fees
  • None

















View Current Rates

Effective Date:
Account Type
 
 
Required Opening Deposit
 
 Minimum Daily Balance to Avoid Fee Minimum Daily Balance to Earn APY
Dividend Rate / APY*
 
Share Savings $5 $0 $0 0.10% / 0.10%
Sub-Share Savings $0 $0 $0 0.10% / 0.10%
Property Tax Savings $0 $0 $0 0.10% / 0.10%
Empowering Kids Savings** $5 $0 $0 3.00% / 3.04%
Empowering Teens Savings** $5 $0 $0 3.00% / 3.04%
Health Savings $0 $0 $0 1.50% / 1.51%
*APY = Annual Percentage Yield. Dividend rates and annual percentage yields are subject to change at any time. Fees may reduce earnings. The minimum balance required to open a Regular Savings, Empowering Kids Savings or Empowering Teens Savings is $5 (one share). **3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.  















Empowering Every Chapter of Life!

Where Convenience Meets Confidence.

Teen with a debit card and a phone

Smart Savings for Bright Futures

Give your child a head start on their financial journey with our Empowering Kids and Empowering Teens accounts. Enjoy competitive rates, exciting deposit incentives, and debit card options designed just for teens. Start building smart money habits today with Unison!
Woman checking a prescription box at pharmacy.

Secure Your Health & Finances

Have a high-deductible health plan? Open a Health Savings Account (HSA) with Unison for tax-free savings on medical expenses. Simple, user-friendly, and stress-free!
*3.04% APY/3.00% dividend rate is applicable to balances up to $1,000.00 on Empowering series savings accounts only, offer does not apply to checking accounts. Balances over $1,000.00 will earn the regular share rates, currently 0.10% APY/0.10% dividend rate.