LIMITED-TIME PROMOTION

Freedom
Fund

Give kids a strong start with simple saving habits.

2.50% Introductory APY1
Help kids and teens build smart saving habits early.
$50 Matching Deposit Bonus2
Make 5 consecutive monthly deposits, and we’ll match them.

The next 250 starts with them.

For 250 years, every generation has built on what came before it. Freedom Fund helps kids and teens start building early with a special 2.50% introductory APY1 through December 31, 2026, plus up to $50 in matching deposits2 during the promotional period. Small deposits now can turn into stronger habits later.

Freedom Fund

For savers ages 18 and under. Build smart saving habits early with a 2.50% introductory APY1 plus up to $50 in matching deposits.²

$200 gets it started 
Open the account with a one-time initial deposit.

Earn up to $50 in matches 
Make a $10 monthly deposit, and we’ll match it.

2.50% introductory APY
Available through December 31, 2026.

Stop by a branch to open your Freedom Fund before August 31.

Why Open a Freedom Fund?

Help kids and teens build smart saving habits, learn financial responsibility, and see how consistency can pay off over time.

Build confidence with money
 Teach smart habits before real life gets expensive.

Teach consistency early
 Small monthly deposits can build real momentum over time.

Start stronger for what’s ahead
 Give them a head start most people wish they had.

Because smart money habits are easier to build early than fix later.

  • No Monthly Fees

    Keep more money.

  • Dividends Earned

    On every dollar saved

  • Digital Banking

    Anytime, anywhere.

  • Joint Ownership

    Guide, support and stay involved3

Opportunity Doesn't Wait

The people who built this country didn’t wait around for perfect timing. They worked with what they had and pushed forward. That spirit still matters today. That’s why Frontwave is celebrating summer with limited-time offers designed to help your money go further, whether you’re saving, borrowing, or planning ahead.

See All Offers
Disclaimers

1 APY = Annual Percentage Yield. Freedom Fund is available for eligible account holders ages 18 and under and must be opened at a branch by August 31, 2026. Account holders under age 18 must have a parent or guardian listed as a joint owner. A minimum opening deposit of $200 is required. The 2.50% introductory APY is based on a 2.472% dividend rate and is valid through December 31, 2026. After the promotional period, the rate is variable and may change at any time. Membership eligibility and other restrictions may apply. Offer subject to change without notice.

2 Freedom Fund matching offer available for eligible accounts opened by August 31, 2026. Eligible account holders ages 18 and under may receive matching deposits of up to $10 per month for up to five eligible months following the month the account is opened, for a maximum match of $50. To qualify, deposits totaling at least $10 must be made during an eligible month. Deposits made during the account-opening month do not count toward the match requirement. The initial $200 opening deposit must remain in the account during the promotional period to remain eligible for matching deposits. If monthly deposits total less than $10, no match will be paid for that month. Unused eligible months are not forfeited. Matching deposits may take up to 60 days to post. 

How the Match Works: Open your Freedom Fund with $200 and keep that opening deposit in the account during the five-month promotional period. Then, starting the month after opening the account, deposit at least $10 in a month and we’ll match it up to $10.

Example: Open your account in June with $200.

  • July: Deposit $15 → Earn $10 match
  • August: Deposit $5 → No match
  • September: No deposit → No match
  • October: Deposit $25 → Earn $10 match
  • November: Deposit $12 → Earn $10 match

Total matches earned: $30.

3 Parent/guardian required to be a joint owner on the account if under 18 years old.