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Merger Update: Our branches, contact center, and digital banking are closed today for merger related system integration. Cards will continue to function as usual. We are working diligently to reopen for business on Tuesday at 9 AM as planned. [Updated: 3/3/25 at 8 AM] Details
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Start Savings

Helping Teens & Young Adults Start Saving Smart

Start Savings Rate

Start Saving Smart

When it comes to saving for your goals, we’ll help you get off to a great start! Our Start Savings Account is part of our Start Financial Program which offers special accounts, learning, and advice for teens and young adults

Start Savings Account Features:

  • For members age 14 to 22
  • FREE – no monthly service fees
  • Rivermark pays you 1.00% APY** (on balances up to $500)

If you’re under 18 years old: We welcome you to open a Start Savings Account, as long as a parent or guardian becomes a joint owner on your account. Parents will have access to monitor and help manage their child’s account and transfer funds to them through online and mobile banking.

Get All the Details

Earn an Incredible Interest Rate

Start Savings pays you 1.00% APY** on your money (on balances up to $500). This means you’ll earn money from your money every month, helping you grow your savings faster!

No Requirements (For Real)

You don’t have to maintain a certain balance or do a bunch of things to make sure your account stays free. Just focus on saving for what’s most important to you.

Always Free, No Matter What

Unlike many big banks, Rivermark charges you no monthly fee. In fact, we pay you every month in interest!

30,000 Surcharge-free ATMs Nationwide

Get cash at 100+ ATMs in Portland, and thousands nationwide through the Co-Op network.

It’s Easy to Open a Start Savings Account

Are you 18 years old (or older)?

You have several options to open a new Start Savings account:

Are you under 18 years old?

Great! We’re so happy you’re getting a head start on your financial life. Because a parent or guardian must be a joint owner on your Start Savings account, please:

For additional information
  • Send us a secure email inside Online Banking.
  • Call us at 503-626-6600, Mon – Fri, 8am – 6pm.

Boost Your Money Smarts with Free Online Learning

Your Start Savings Account comes with access to our free, online Financial Education Center where you can learn the basics when it comes to your finances. Check out a sample of the modules below.

**APY = Annual Percentage Yield.  Rates accurate as of 03/03/2025. Balances of $.01-$500.00 earn 1.00% APY. Balances of $500.01 or more earn 1.00%-0.15% APY. The APY may change after account opening. Start savings assumes a maximum balance of $5,000 when calculating the blended APY rate range. Your APY will decrease as your balance increases. Minimum amount to open a Start Savings is $5. You must be between the ages of 14 and 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account.