Youth Savings Account
Set Your Kiddo Up for Success
Help them learn the value of saving. This account is a great place to start — with interest and a reward for good grades.
Youth
| DECISION BASICS | |
| Who Can Open | Savers under 18 |
| Minimum to Open | $10 |
| Grade Reward | $5 per report card with an A* |
| Monthly Service Fee | $2.47 (waived w/ $10 daily balance) |
More Than an Account
Every Deposit Is a Lesson in Life
Financial literacy starts young. Showing your child their balance grow, celebrating their savings goals, and rewarding their hard work in school are habits that compound far beyond the account balance.
Blue Ridge Bank has been part of that story for families in our community for generations.
$10
To Open
$5
Per Report Card w/ an A
$2.47
Waived w/ $10 daily balance
18
For Savers Under
How It Works
Getting Started Takes 3 Simple Steps
1
Open Together
A parent or legal guardian opens the account as the custodian at any BRB branch with a $10 minimum deposit.
2
Save & Earn Rewards
Deposit birthday money, allowance earnings, or job paycheck and earn $5 for each report card that includes an A.
3
Watch It Grow
Earn competitive interest on the entire balance, compounded and credited quarterly, building lifelong money habits.
Why Youth Savings
Built for Kids. Designed for Parents.
Payment for Good Grades
We pay for good grades! Bring in your student's report card each grading period and we'll deposit $5 into their account for each report card with an 'A.'*
Earns Interest
Earn interest on the entire balance, compounded and credited quarterly — a solid foundation for money management later in life.
Start With Just $10
A low $10 minimum deposit opens the account. Avoid the $2.47 monthly service fee by maintaining a $10 minimum balance.
FDIC Insured
Every dollar is protected up to $250,000 by the FDIC. Save with complete confidence.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
Why Youth Savings
Built for Kids. Designed for Parents.
Payment for Good Grades
We pay for good grades! Bring in your student's report card each grading period and we'll deposit $5 into their account for each report card with an 'A.'*
Earns Interest
Earn interest on the entire balance, compounded and credited quarterly — a solid foundation for money management later in life.
Start With Just $10
A low $10 minimum deposit opens the account. Avoid the $2.47 monthly service fee by maintaining a $10 minimum balance.
FDIC Insured
Every dollar is protected up to $250,000 by the FDIC. Save with complete confidence.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
Current Rates
{{ youth-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHO CAN OPEN A YOUTH SAVINGS ACCOUNT?
The account is available to young savers under 18 years old. A parent or legal guardian must open the account as the custodian — not a joint owner — for minors under the age of 18.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A YOUTH SAVINGS ACCOUNT?
You can open a Youth Savings Account with a $10 minimum deposit. Avoid the $2.47 monthly service fee by maintaining a $10 minimum balance.
HOW DOES THE REPORT CARD REWARD WORK?
We pay for good grades! Bring in your student's report card each grading period and we'll deposit $5 into their Youth Savings Account for each report card with an 'A.'*
HOW IS INTEREST EARNED?
The account earns competitive interest on the entire balance, compounded and credited quarterly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS THE YOUTH SAVINGS ACCOUNT FDIC INSURED?
Yes. All balances in a Youth Savings Account are FDIC insured up to $250,000 per depositor.
{endAccordions}
Current Rates
{{ youth-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHO CAN OPEN A YOUTH SAVINGS ACCOUNT?
The account is available to young savers under 18 years old. A parent or legal guardian must open the account as the custodian — not a joint owner — for minors under the age of 18.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A YOUTH SAVINGS ACCOUNT?
You can open a Youth Savings Account with a $10 minimum deposit. Avoid the $2.47 monthly service fee by maintaining a $10 minimum balance.
HOW DOES THE REPORT CARD REWARD WORK?
We pay for good grades! Bring in your student's report card each grading period and we'll deposit $5 into their Youth Savings Account for each report card with an 'A.'*
HOW IS INTEREST EARNED?
The account earns competitive interest on the entire balance, compounded and credited quarterly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS THE YOUTH SAVINGS ACCOUNT FDIC INSURED?
Yes. All balances in a Youth Savings Account are FDIC insured up to $250,000 per depositor.
{endAccordions}
Current Rates
{{ youth-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHO CAN OPEN A YOUTH SAVINGS ACCOUNT?
The account is available to young savers under 18 years old. A parent or legal guardian must open the account as the custodian — not a joint owner — for minors under the age of 18.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A YOUTH SAVINGS ACCOUNT?
You can open a Youth Savings Account with a $10 minimum deposit. Avoid the $2.47 monthly service fee by maintaining a $10 minimum balance.
HOW DOES THE REPORT CARD REWARD WORK?
We pay for good grades! Bring in your student's report card each grading period and we'll deposit $5 into their Youth Savings Account for each report card with an 'A.'*
HOW IS INTEREST EARNED?
The account earns competitive interest on the entire balance, compounded and credited quarterly.
ARE STATEMENTS FREE?
Free e-Statements are included. Paper statements are available, but a fee will apply.
IS THE YOUTH SAVINGS ACCOUNT FDIC INSURED?
Yes. All balances in a Youth Savings Account are FDIC insured up to $250,000 per depositor.
{endAccordions}
*One $5 reward per report card with at least one "A," per grading period, deposited into the Youth Savings Account.
**Annual Percentage Yield (APY) accurate and effective as of 8/1/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details. Avoid the $2.47 monthly service fee by maintaining a $10 daily balance. A parent or legal guardian must open the account as the custodian — not a joint owner — for minors under the age of 18. Free e-Statements; paper statements available (fee will apply).
Kasasa Cash CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.