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SpencerKids - 2.28%APY* is a big deal for our small customers

SpencerKids is the ideal savings accout, providing you with an opportunity to save for gifts, an iPod©, a car, or anything else that you may need in the future.  

• For young savers under 18 years old
• $1 minimum deposit to open and earn interest 
• No monthly service charge 
• Unlimited deposits and withdrawals 
• Interest is compounded daily and credited quarterly 
• Account activity recorded in a convenient passbook 
• Earn a competitive interest rate 

*SpencerKids is a custodial savings account for children under 18 years of age. The interest rate for the SpencerKids Savings Account is 2.25%. APY is the Annual Percentage Yield. Interest is compounded daily and credited monthly. $1.00 minimum deposit required to open account and earn the stated APY. $100,000 is the maximum deposit. APY is subject to change without notice. APY offered as of today's date and may be withdrawn at any time. Rates are subject to change without notice. Each depositor is insured up to $100,000 by the FDIC.