All youth accounts offer the ability to open a Savings Builder Share Certificate, a 6 month certificate with automatic renewal. With as little as $5, you can begin building your child’s savings. With the capability to add funds to it at any time, you can build it however and whenever you wish. It earns a higher dividend rate than a regular savings account. Plus, as it grows to a higher balance, the rate climbs, too. The more your child saves, the more money they can earn.