Big Dreams Start Small
Youth savings accounts and college savings options to help them plan for what’s next.
Super Saver Club
Everyday & Goal-Based Savers
Super Saver Club (for kids 17 years or younger)
Just $5 to open and start saving
$25 bonus dividend awarded once the savings balance reaches $500
1% Annual Percentage Yield (APY) (up to $1,000.00)1
0.10% APY (over $1,000.00)1
Help your child learn to save early.
Teach kids ages 12 and under to save smart—with fun rewards and a gift at account opening.
When the account is opened, the child will receive:
- A “good financial habits” coloring book or lunch bag
- A piggybank
- A savings chart to help track savings
- Super Saver Certificate
College Savings
Leverage for Higher Learning
Avoiding high private loans to cover higher education is top of mind for many parents and guardians of aspiring learners. The first step to getting there is a secure plan.
Coverdell Education Savings Account (ESA)
Minimum opening deposit is $50
Funds can be transferred at any time to a qualifying family member under 30 years old
No maturity date or limits on transaction frequency
Must be set up with the legal guardian of a minor
No minimum investment periods, like term certificates
Contribute up to $2,000 per year
Withdrawals are tax free when used for educational expenses2
Planning for the future begins today
A high-yield account set up for the purpose of saving for higher learning expenses for a designated beneficiary under the age of 18:
| Minimum Balance | APY |
|---|---|
| $50 -$499 | 1.15% APY |
| $500-$24,999 | 1.25% APY |
| $25000-$74,999 | 1.50% APY |
| $75000-$124,999 | 1.75% APY |
| $125,000 and up | 2.00% APY |
Contributions & withdrawals are subject to government rules and regulations
Earn to learn
Leverage for Higher Learning
Earn to Learn
Vantage West partners with Earn to Learn, a nonprofit program helping low-income individuals save for college. Qualified students enrolled with Earn to Learn can open a matched savings account, also referred to as an Individual Development Account (IDA). You set a monthly savings goal with an Earn to Learn financial counselor and start saving. Meanwhile, Earn to Learn applies an 8:1 match to your savings. These funds are then applied to your chosen college or university tuition.
IDAs can only be opened by eligible students who have applied to and been enrolled in the Earn to Learn program.
If you would like to learn more about the Earn to Learn program please visit Earn to Learn AZ for details about the program and eligibility requirements.
financial skills turn into college skills
With Earn to Learn you could:
- Earn $4,000 toward college tuition through your savings commitment per academic year
- Receive college and workforce readiness training and ongoing academic support
- Develop financial capability and stability
- Identify financial goals, create personalized budgets and learn about credit
- Receive ongoing support and connections to available resources throughout your time in high school and college
The link below is only for eligible students who have enrolled in the Earn to Learn Program. If your success coach provided you with this link you can begin your application process here.
Did You Know?
Explore the benefits to opening a personal savings account with us
You can manage your savings from anywhere.
Your money stays close to home.
We offer better rates than most banks.
Being a member comes with perks.
Get Free Financial Coaching to build smart money habits early and access to scholarships to help with future education.
We’ve been serving Arizona since 1955—honestly, respectfully, and with your best interests in mind.
- Federally insured by NCUA
- Local, member-owned and operated
- Top-rated by members for caring service
- Financial guidance you can understand
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Disclosures
APY(s)=Annual Percentage Yield(s) accurate as of 12/1/2025.
Subject to approval. Rates subject to change. Rates for Super Saver Club are variable and may change after the account is opened. Coverdell Education Savings Account (ESA) rates are variable and subject to change. Early withdrawals, fees, and other conditions could reduce the earnings on the account. Certain restrictions may apply. Credit Union Membership required. Federally Insured by NCUA.
1For the Super Saver Club account, the Annual Percentage Yield will be calculated by applying one or more dividend rates to multiple balance ranges as set forth above. The dividend rate for each balance range will apply to your account balance within each particular deposit balance range and not the entire account balance. When children turn 18, Super Saver accounts will convert to Regular Savings accounts. The Super Saver Account is subject to the same withdrawal and transfer limitations as the Regular Share Account. There is a limit of one (1) Super Saver Account per primary Member.
2Consult your tax advisor about IRA and Coverdell Education Savings Account eligibility, contributions, qualifications, and early withdrawal penalties. Maintenance fees may apply.