Bank · FDIC insured
Young Americans Bank Savings Rates
A $15.5M bank headquartered in Denver, CO, with 2 branches in Colorado.
How Young Americans Bank’s savings rates compare
Compared with banks and credit unions in Colorado, where Young Americans Bank has the most branches. $10,000, best rate first.
This bank’s best
Young Americans Bank
1.00%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $100
Savings Account
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $434
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Savings Account
Up to 1.00%APY
Designed for youth (ages 0 and older / under 22). No monthly service charges if a deposit or withdrawal is made once every 3 years. Inactive account fee of $1 per month if no transaction for 3 years or more with less than $100 balance. Dormant account fee of $25 per year if no transaction for 3 years or more with no contact. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAges 0 and older. $1/month inactive fee applies after 3 years with no transaction and balance under $100; $25/year dormant fee if no transaction for 3 years with no contact.Any balance | 1.00% | $100 | Ages 0 and older. $1/month inactive fee applies after 3 years with no transaction and balance under $100; $25/year dormant fee if no transaction for 3 years with no contact. |
| Any balanceEffective as of April 24, 2026. $1/month inactive fee applies after 3 years with no transaction and balance under $100; $25/year dormant fee if no transaction for 3 years with no contact.Any balance | 0.75% | $75 | Effective as of April 24, 2026. $1/month inactive fee applies after 3 years with no transaction and balance under $100; $25/year dormant fee if no transaction for 3 years with no contact. |
Sources (5)
- yacenter.org/young-americans-bank
- yacenter.org/open-an-account
- yacenter.org/personal-banking
- yacenter.org/rates-and-fees
- yacenter.org/savings-cds
All captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.