Little Buffalos Accounts – Ages 12 & Under

Ranger Rick Offering from National Wildlife Federation

There is a $25 minimum to open a Little Buffalo account. Once that has been verified, you will receive subscription confirmation within 45 days of account opening.

An Interior Federal member is an Interior Federal member no matter how small. The Little Buffalos Account has been designed for members who are 12 years old or younger.

Steer Your Child to Buffalo-Sized Savings!

Parents love the Little Buffalos Accounts. Are you trying to teach your child the value of a dollar and the importance of saving for special items … by stashing away some of his or her birthday, holiday, and gift money? If so, make a stronger, lasting impression to let them learn by doing – with their own Little Buffalos Account. As a Little Buffalo, your child will learn smart money habits and financial responsibility at a young age.

  • We’ll fund your child’s initial $25 deposit^
  • They will receive a special quarterly newsletter
  • They will get a happy birthday email with a special offer
  1. If there is a $500 balance in the Little Buffalos Savings on their birthday, $5 will be deposited into that account.
  2. If there is a $1,000 balance in the Little Buffalos Savings on their birthday,  $10 will be deposited into that account.

BalancesDividend RateAPY*
$25 - $1,4990.15%0.15%
$1,500 and up0.20%0.20%
^A minimum balance ($25) must be maintained in Primary Savings Account. Youth Accounts can be established as a custodial account.

Secondary Savings

Need to save for something specific? A Secondary Savings Account makes it easy to separate savings for specific needs. You’ll be able to name these accounts whatever you want to make it easy to keep track of saving for different goals.

  • No minimum opening deposit
  • No minimum balance (although account will be closed if it carries a zero balance for 18 months)

Accumulator Certificate

Take advantage of our competitive rates with a lower minimum opening deposit. You can add to an Accumulator Certificate at any time during the term.

  • Get a Little Buffalo stuffed animal with first Accumulator Certificate!
  • Open an Accumulator Certificate with a minimum of $50
  • Minimum of $25 for any subsequent deposit
  • Available for 24 month term


If you want to earn a higher guaranteed return on your funds than a regular savings account, an Interior Federal Certificate is the best savings option.

  • Minimum opening deposit is $500
  • Terms up to 60 months


    It’s never too early to start teaching your children the basics of money management beginning with elementary school. Find resources from personal finance curriculum to games to teach your young child about the basics of saving and the difference between wants and needs.

    Get Started!



    Peter Pig’s Money Counter                                              Cash Puzzler

    For additional information or assistance, please call us at 800-914-8619.

    *APY = Annual Percentage Yield. APY is based on the minimum balances of each tier.

    ^A cash incentive from Interior Federal is considered a “bonus” as defined by the NCUA regulations, Truth-in-Savings, Section 707.2(f) and must be reported on IRS form 1099 as dividend income. The bonus will be given when we receive the completed membership application and all required documentation. A minimum balance ($25) must be maintained.

    More details are available in our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure.

    Interior Federal does not knowingly solicit data from children. Interior Federal recognizes that protecting children’s identities and privacy on-line is important, and the responsibility to do so, rests with both online industry and parents. Due to the requirement that all online accounts have an email address associated with them, we are aware that accounts for minors may have active email addresses for the minor or the custodian. Interior Federal emails in general never solicit personal or financial information.

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    Teen Accounts – Available for ages 13-17

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