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Early Saver Account Features The perfect savings account for kids and youth under age 18: the BECU Early Saver savings account offers your child a premium interest rate on the first $500 in deposits. Earn great interest rates: 6.17% APY on the first $500 and 0.40% APY on balances over $500.00 No monthly maintenance fees No minimum balance to open Joint ownership for parents or guardians (joint owner must be approved for BECU membership and is required).