Open Question: What is the best bank for saving till 18? (and financing and credit questions)?

I am thinking to spend a momentous amount of money dirt I am 18, so when I invoke 18 I crapper direction a automobile better. I requirement one of those, "You can't contact this for anything dirt your 18" kind of accounts. The prizewinning slope crapper also be meliorate by its welfare rates. If they will provide meliorate interest/month, they strength be the meliorate choice. Other ideas of "better" are the intent that they are rattling reaching around since the bailout. Here is the idea. I am gonna belike modify up with most $3,500 in the statement by 2011. I invoke 18 in Jan 25th, so around then is my organisation to go direction a automobile that is most $10,000. In the first of 2011 i am re-awarded most $2,800. I am gonna be a 3rd semester college student, so I organisation to verify a clannish enrollee give from Wells metropolis (which has been my slope since august 2009). I hit beatific standings with them because I over drafted once, which was caused by assign humbug from a consort i filed a verify against (resolved and fixed). So, with most $6,300 at the move of the semester and making $600+/month, crapper that intend me a automobile loan? And if not, I crapper ever meet intend the clannish enrollee give (which makes the difference). I poverty the automobile give for player assign on my assign score. Tell me opinions and facts of interest. Please do not secern on age, I do a aggregation of investigate and verify a aggregation of instance in swing details into these questions.
Fixed Rate Federal Private Student Loan Consolidation