Aspire Savings

Aspire Savings

A grandmother and grandchild counting coins from a jar

Savings That Grow Up With Them

From their very first dollar to their first paycheck, our Aspire Savings Accounts¹ help young savers build smart money habits at every age. Earn 1.00% APY* while learning to budget, save, and plan for the goals ahead—all with no monthly service charge.

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No Monthly Fees

Keep more of what you save with zero monthly service charges.

Earn While You Grow

Collect 1.00% APY* on balances of $0.00 or more, so every dollar works harder.

Banking Anytime

Check balances and manage money 24/7 with secure online banking.

Smart Money Skills

Learn budgeting, goal-setting, and the fundamentals of managing money for life

Aspire First Savings

This savings account is perfect for setting your little ones up for success. Start putting money away for those ages 0 to 13 and earn 1.00% APY* on balances to help the money grow faster.

No monthly service charge.

Earn dividends on balances of $0.00 or more

Access your account 24/7 via our online banking

Learn important money management skills, including understanding banking, budgeting, savings for goals, and more.

Shot of a black family reading a book in bed at home

This savings account is designed to help young savers, ages 13 to 26, build financial responsibility while earning dividends. Earn 1.00%APY* and learn important financial habits as your money grows faster over time.

No monthly service charge

Earn dividends on balances of $0.00 or more

Access your account 24/7 via our Digital Banking

Learn important money management skills, including understanding banking, budgeting, savings for goals, and more.

Smart Start Program

	Minimum Balance	Dividend Rate	APY*
Aspire First Savings¹	$0+	1.00%	1.00%
Aspire Savings²	$0+	1.00%	1.00%

Rates effective as of 04/17/2026

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

¹Available to members ages birth to 13.
²Available to members between the ages of 13 to 25.

Coverdell Education Savings

The Coverdell Education Savings Account is for the specific purpose of assisting with the cost of your child’s education. Although a savings account, it’s similar to an Individual Retirement Account or Certificate Account.

No monthly service charge

Earn dividends on balances of $25 or more

Access your account 24/7 via our online banking

Must be established before the child’s 18th birthday

Funds must be used prior to the child turning 30 years old

Coverdell Education Savings

Minimum Balance	Dividend Rate	APY*
<$9,999.99	0.05%	0.05%
$10,000.00+	0.10%	0.10%

Rates effective as of 04/17/2026

*APY = Annual Percentage Yield. Dividend rates, APY and terms are subject to change. Dividend period is monthly. Fees could reduce earnings.

Need help? We’re here in San Diego.

Multiple ways to connect with us, whenever you need support.

Call Us

Speak with a member service representative

619-297-4835

Mon-Fri: 8am-5pm
Sat: 9am-2pm

Reach out and a team member will follow up

Visit a Branch

Stop by one of our 4 San Diego locations

Find a Branch

Disclosures

^*APY = Annual Percentage Yield. Rates effective as of 04/17/2026 and are subject to change without notice. Membership required.

¹Aspire Savings is designed exclusively for members aged 13-25. No initial minimum deposit required. Aspire Savings account must have an adult as the joint owner for any persons under the age of 18. Upon turning age 26, the Aspire savings account will automatically convert to a Regular share savings account. Contact a Wheelhouse representative for more information.
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