The Best Savings Account for Kids has Arrived!

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Kids Savings Account Features

The Berenstain Bears Financial Literacy Program Cub Account teaches youth good financial habits that will last a lifetime by focusing on one simple concept: Save, Share, Spend, Earn.

  • Up to Age 13 Children from birth to age 13 can open a Cub Account and get rewarded for saving.
  • Earn Interest Children earn 3.00% APY on their first $100 of savings deposited.1
  • $5 Mininum Balance Our low minimum balance requirement makes this account affordable.
  • Welcome Kit Each child receives a book and piggy bank to encourage good savings habits.
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1 Annual Percentage Yield (APY). 3.00% APY on balances up to $100.00; 0.05% APY on balances $100.01 and higher. Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership availability.

The Berenstain Bears® Copyright, Berenstain Enterprises, Inc. 2023

Berestain Bears Financial Literacy Program

Kids Savings
Account Rates

We encourage good saving habits by offering dividends on deposits. Learning money management is fun and rewarding with the best children's savings account!

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*APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions, and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership eligibility.

Cub Account Rates

Tier
Dividend Rate
*APY
Tier
Tier I
$0-$100.00
Dividend Rate
2.96%
*APY
3.00%
Tier
Tier II
$100.01 & Over
Dividend Rate
0.30%
*APY
0.30%
Effective September 19, 2024

*APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions, and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership eligibility.

decorative chevron pattern
Dad showing children how to save money

SAVE • SHARE • SPEND • EARN

The Best Savings Account for Kids

The journey towards a successful financial future starts now! On top of learning new financial habits that will reward your child for years to come, we manage to have some fun too!

  • Bring your piggy bank back during your birthday month and we'll match your savings up to $10!2
  • Cub Account members and their parents can visit cubclubonline.com for games and other fun activities.
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2 Must be current Cub Account holder. Must present coupon and Berenstain Bears piggy bank. Standard coin machine fee will be waived, only for the purposes of this coupon.

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Free Printable Resources

The following resources are free for children, parents/guardians, and teachers. It's important to begin financial literacy education at a young age and hope these resources help!

 

RESOURCES FOR KIDS

Berenstain Bears Coloring Page

Get your free, printable Berenstain Bears Coloring Page here.

Berenstain Bears Double Puzzle Page

Check out this super fun Berenstain Bears Double Puzzle Page!

Berenstain Bears EARN Activity

Learn how kids can earn money with the Berenstain Bears EARN Activity.

Berenstain Bears SAVE Activity

Practice using coins to help Brother and Sister save with the Berenstain Bears SAVE Activity.

Berenstain Bears SHARE Activity

Sharing is caring! Answer these thought-provoking questions about sharing in the Berenstain Bears SHARE Activity.

Berenstain Bears SPEND Activity

An easy-to-understand lesson in basic budgeting and money management in the Berenstain Bears SPEND Activity.

Berenstain Bears Trouble with Money Word Search

The Berenstain Bears Trouble with Money Word Search is an accompanying worksheet for the Trouble With Money Lesson Plan.

FOR PARENTS & TEACHERS

Berenstain Bears Cub Account (Overview)

Learn more about the Berenstain Bears Cub Account and Financial Literacy Program at Peach State.

Berenstain Bears Trouble with Money (Lesson Plan)

This 45-minute lesson plan for grades K-3 is offered for free by the Credit Union Network for Financial Literacy.

Berenstain Bears Trouble with Money Word Search

The Berenstain Bears Trouble with Money Word Search is an accompanying worksheet for the Trouble With Money Lesson Plan.

Berenstain Bears Visit the Credit Union (Lesson Plan)

This Visit the Credit Union Lesson Plan is full of important information about banking for children ages 5 to 9.

Careers in Credit Unions

Explore how a Career in Credit Unions may be a great option for you, or your young adult children or students.

Testimonial

Share Your Story
I’ve been a member for 39 years. It is obvious by their helpful personnel, communication, and available surveys that they value their members first…always.
 
- Bron S.
It's still a personal bank. They know my name and I know theirs. They understand who I am, my lifestyle, and always treat me with honesty and respect.
 
- Charles K.
 
My experience has been nothing but wonderful all these years. Everyone has been very professional and courteous toward my daughter and I. Thank you to all for that you do!
 
- Amber H.
 

Frequently Asked Questions

These are a few of the commonly asked questions about our Kids Savings Account.
For even more FAQs, check out our Member Knowledge Base.
Is opening a Kids Savings Account important?
Teaching your children how to earn, manage, and save money will help them be successful in the future. Explore 6 reasons why you should open an account for your little one today.
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What do I need to open an account?
Joining Peach State is easy! Once you’re ready to open an account, you’ll need a picture ID, social security number, and initial account deposit. 
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Who can join Peach State?
Peach State offers membership to the employees of our sponsor Boards of Education, and many Select Employee Groups (SEGs) and associations. "Read More" to view a complete list.
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Member Knowledge Base