Teaching kids about money doesn’t have to be complicated, and opening a kids savings account is one of the best ways to start building strong financial habits early.
At Co-op Credit Union, we’re excited to introduce the new Sprouts Program! Launched April 1, 2026, this updated youth savings program replaces the long-standing CUB Account Program with a more engaging, modern approach to helping young savers grow and learn the basics of financial responsibility.
What Is the Sprouts Program? A Kids Savings Account Designed for Growth
The Sprouts Program is a kids savings account experience built around a simple, kid-friendly philosophy:
Earn it. Save it. Grow it.
This approach helps children understand where money comes from, why saving matters, and how small seeds of effort can grow into something big over time. Through hands-on tools, fun activities, and age-appropriate incentives, this kids savings account turns everyday saving into a meaningful and rewarding learning experience.
Why the Change?
As financial education continues to evolve, it is important that our youngest members have access to programs that are engaging, modern, and meaningful. The Sprouts Program was created with this in mind. It reflects how children learn today through curiosity, hands-on experiences, and real-life connections that help lessons truly stick. By refreshing our youth savings offering, Co-op Credit Union is giving families a chance to start meaningful conversations about money early, celebrate small wins, and build confidence as children learn and grow.
What Families Can Expect
The Sprouts Program is designed to make saving both fun and meaningful for young learners. With it, families can look forward to:
- A savings account designed specifically for children up to the age of 9
- Fun challenges and activities that teach how money is earned
- Tools and rewards that make saving exciting
- Guidance for parents and caregivers to support learning at home
- A “grow as you go” approach that helps children see their progress over time
These features bring the value of a kids savings account to life in a way that feels engaging, encouraging, and easy to understand. To open an account, children must become Co-op Credit Union members. Becoming a member is simple and is the first step in accessing all the benefits available. You can apply for membership online or visit your local branch to get started!
A Smooth Transition for Current Members
Families that were enrolled in the CUB Account Program automatically transitioned into the Sprouts Program beginning April 1, 2026. This ensured a seamless experience while introducing enhanced features designed to better support today’s young savers.
Why a Kids Savings Account Matters Early
Opening a savings account at a young age helps build confidence and an understanding of important financial concepts like saving, goal-setting, and responsibility. By making these lessons interactive and rewarding, the Sprouts Program supports habits that can grow alongside your child and benefit them for years to come!
Start Growing with Sprouts
The Sprouts Program offers more than just a kids savings account. It creates opportunities for learning, growth, and confidence at every step. You can learn more about the Sprouts Program by contacting us online or by visiting your local branch to get started.
Together, we can help kids learn to earn it, save it, and grow it, one sprout at a time!
