Treasure Chest Savings

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A Fun and Rewarding Way to Teach Kids the Value of Saving!

Treasure Chest Savings Account (formerly known as the Circus Club) at Eagle Community Credit Union is designed especially for children aged 12 and under. It’s more than just a savings account — it’s an exciting, educational introduction to smart money habits that can last a lifetime.

Why Choose the Treasure Chest Account?

Kid-Friendly Savings

With no monthly fees and a low minimum opening deposit, this account makes it easy for parents to start their child’s financial journey early. It’s the perfect first step toward building strong, lifelong money management skills.

Financial Education for Kids

The account is built with learning in mind. We provide age-appropriate activities, newsletters, and events that teach children the basics of budgeting, setting savings goals, and understanding the value of money.

Account Features

For children ages 0–12
No monthly maintenance fees
Only $5 minimum opening deposit
Earns competitive dividends
Quarterly newsletters & fun events

Since it is never too early to plan for tomorrow, we also offer great rates on our Early Saver Share Certificates* for Treasure Chest Savings and Power-Up Fund members. And, the certificates only require a ^$500 minimum deposit to open.

Open a Youth Account now

financial education

Take Control of Your Money

Eagle Community Credit Union has partnered with Banzai to bring you clear, in-depth lessons that help you dive into the financial topics you care most about. Read an article, talk to a digital coach, complete a course - our financial education is here to help you learn about: Budgeting, Borrowing and Credit, Savings, Insurance, College Expenses, Life Changes, Housing, Investing, Taxes, and more!

Learn More

Treasure Chest Savings (Formerly Circus Club)

Effective Date: Thursday, June 26th, 2025

Min. to Open	Min. to Earn APY*	Dividend Rate	APY*
$5	$5	0.100%	0.100%
$5	$10,000	0.100%	0.100%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
Circus Club (ages 0-12) and Green Team (ages 13-17) members may open an Early Savers Certificate with a minimum deposit of $500 and earn the $1,000 Share Certificate rate and APY, based on term. Terms available: 3 - 60 months. At maturity, funds in an Early Saver Certificate automatically transfer to the member’s savings account, if a member is 18 or older. Penalties apply for early withdrawal. All Green Team members must have a joint account with a parent or guardian to open a checking account and be eligible for a MasterCard Enhanced Debit Card.

Early Saver Certificate**†

Effective Date: Thursday, June 26th, 2025

Term	Min. to Open	Min. to Earn APY*	Dividend Rate	APY*
3 Months	$500	$500	2.472%	2.500%
6 Months	$500	$500	3.348%	3.400%
12 Months	$500	$500	3.203%	3.250%
24 Months	$500	$500	3.203%	3.250%
36 Months	$500	$500	3.008%	3.050%
48 Months	$500	$500	3.154%	3.200%
60 Months	$500	$500	3.251%	3.300%
*APY=Annual Percentage Yield. Rates quoted are subject to change at any time without notice Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity.
† Penalty for early withdrawal and fees or other conditions could reduce earnings on the account. If you make a withdrawal from your certificate before the maturity date, a penalty will be charged on the amount of the withdrawal based on the original term of the certificate. These penalties are as outlined: Up to 12 months: 90 days of dividends, 13+ months: 180 days of dividends. Please see Eagle Community Credit Union’s Disclosure and Agreement of Terms and Conditions and Service Pricing Schedule for complete details and fee disclosure.
**Early Saver Certificate applies to Treasure Chest Savings and Power Up Fund Accounts only