Watch your savings grow from WOW to WOAH.
Big dreams start with small steps. With our 4.00% APY* 12-month Youth Certificate of Deposit (CD), members age 17 and under can start saving with just $100. It’s an easy, exciting way to build healthy financial habits—and turn big goals into even bigger wow moments.
Guaranteed Growth
Earn 4.00% APY for 12 months, so you’ll know exactly how much your child’s savings will grow.
Easy
Open a Youth Certificate of Deposit with a minimum balance of just $100.
Safe
CDs are insured up to $250,000 by the National Credit Union Association (NCUA).
12-Month Youth CD
Effective Date: Wednesday, November 12th, 2025
Please contact us or stop into a branch to verify the current rate.
| Terms | Annual Percentage Yield | Interest Rate | Minimum Opening Deposit |
|---|---|---|---|
| 12 Months | 4.00% | 3.93% | $100.00 |
*Annual Percentage Yield. CD rate and term valid November 12-December 10, 2025. Ages 17 and under. A penalty may be imposed for early withdrawals. Minimum deposit of $100. Maximum deposit of $1,000. | |||
Opening a Youth Certificate of Deposit at M1 is simple and designed to fit young savers:
- Small deposit required: It only takes $100 to get started for young savers.
- 12-month term: Funds stay in the account for one year, helping build a habit of saving while earning guaranteed growth.
- Eligibility: Available for anyone ages 17 and younger.
