Gateway Savings Account

Grow their savings. Reward their grades.

A savings account for members ages 13-18, with dividends on every dollar and a cash bonus for A's and B's on the report card.

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Three ways it pays to save

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Cash for good grades

$5 for every A and $4 for every B. Claim with a report card, and earn up to $25 a semester and $50 a year.*

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Dividends from day one

Once the balance passes $25, it starts earning dividends automatically.

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A head start on certificates

Open a certificate with as little as $100 and lock in a rate while they save.

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Real support for building good habits

Our certified staff help members set savings goals and build a simple spending plan, so good money habits start early and stick.

Stop by a branch to get started →

Plus everything else you'd expect from a Heartland account

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Real-time balances & mobile app

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Direct deposit

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Federally insured by NCUA

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*Maximum grade bonus of $25/semester; $50/year. Annual Percentage Yield of .05% on balances over $25. Rates are subject to change without notice. Federally insured by NCUA.