Smart Start KIDS Savings™

A FREE Kids Account

Watch Their Savings Grow

Ages 0-13

Big goals can start with small savings. Smart Start Kids Savings gives your child a place to grow their money over time, save for the things that matter to them, and build a strong foundation for the future.

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No Fees

No monthly service fees when using e-statements. No maintenance fees.

No Minimums

No minimum deposit is needed to open, keep, or use a kids savings account.

5.00% APY

Introductory rate is available for 12 months from account opening for the first $5,000 on deposit.  This is a tiered rate account.*

It's Never Too Early

Open a kids savings account when your child is born and give their savings a jump start . As their balance grows, they can learn valuable money management skills by managing the account alongside you when they ’re ready.

Open a Free Savings Account With Us Today!

Swing by any of our 23 convenient local branches, and we’ll walk you through these super-easy steps:

  • Bring your valid ID
  • Sign account documents
  • Get your online banking all set up
  • Download our App
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For the Kids!

Got something special you are saving for? Open a kids savings account and see how saving a little at a time can add up to something big.

Whether you’re dreaming of a new bike, video game, or your next big adventure, your savings can help you get there. Let’s get started!

For the Parents

Give your child a smart start with a savings account designed just for kids ages 0–13. It's a fun and easy way to build healthy savings habits.

Turn Birthday Money Into Big Savings

Depositing a check has never been faster or simpler. With Home Federal’s fee-free service. All it takes is a smartphone and photos of the front and back of the check.

Learn More

Growing Smart Savers

Looking for ways to teach your child about money ? Our blogs offer practical advice and age-appropriate ideas to make learning about saving fun and engaging.

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How to Teach Teens & Young Adults About Money in a Digital World
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  • Teen Education

Your First Paycheck: What to Do Before You Spend a Dollar
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Financial Literacy for Teens: How to Create Responsible Financial Behaviors
View More

Frequently Asked Questions

Start saving when they are born.

A kids savings account must be co-owned by one child under 13 and one adult that must be the child’s parent or legal guardian.

To open an account for your child, have the following items ready:

For you: You’ll need to make sure to bring one form of valid identification. The valid ID should verify your legal name, address, and date of birth.

Valid ID includes one of the following government issued IDs: Driver’s License, State ID, US Passport, Gun Carry Permit, Military ID or Permanent Resident Card.

For your child: name, date of birth, mailing address, Social Security number.

A kids savings account makes it easy to start saving with no monthly fees, a competitive rate, and no minimum deposit. Kids can learn money skills by monitoring their own balance while parents maintain oversight and guidance.

Visit Your Local Home Federal Bank

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*Annual Percentage Yield (APY) is accurate as of 11/2/26. This is a tiered rate account. Deposits up to $5,000 earn the introductory rate and yield. The initial promotional interest rate on the portion of your balance from $0.01 through $5,000.00 will remain in effect for twelve (12) months from the date of account opening. The initial promotional interest rate on the portion of your balance above $5,000.00 is subject to change at our discretion and at any time. After the initial 12-month promotional interest rate period ends, the account will earn the standard variable interest rate and APY then in effect for the Smart Start Kids Savings account. Fees may reduce earnings on the account.

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