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 your kids good financial habits that will last a lifetime by focusing on one simple concept: Save, Share, Spend, Earn.

  • Up to Age 13 Open a Cub Account for children from birth to age 13 and get rewarded for saving.
  • Earn Interest Earn 3.00% APY on the first $100 of savings deposited for your child.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.

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. Penalties may apply for early withdrawals.

The Berenstain Bears® Copyright, Berenstain Enterprises, Inc. 2025

Peach State FCU Cub Account
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Kids Savings
Account Rates

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

*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. Penalties may apply for early withdrawals.

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
0.25%
*APY
0.25%
Effective December 22, 2025

*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. Penalties may apply for early withdrawals.

New Peach State Member Mother and Son Saving Money

SAVE • SHARE • SPEND • EARN

The Best Savings Account for Kids

The journey toward a successful financial future starts now! On top of teaching your child new financial habits that will reward them for years to come, we make it fun too!

  • Bring your child's piggy bank back during their birthday month and we'll match their savings up to $10!2
  • Parents of Cub Account members can visit cubclubonline.com for games and other fun activities.

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. Penalties may apply for early withdrawals.

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Free Printable Resources

The following resources are free! If you're a parent, guardian, or teacher, use them to start teaching financial literacy to the child in your life!

 

RESOURCES FOR YOUR 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
Employees are friendly. Loan application is quick and easy as well. Friendly bank and extremely efficient.
 
- Chris S.
 
As a member for over 30 years, the management of checking and saving accounts have been effortless. The personal assistance with various loans was both needed and appreciated. 
 
- Debi C.
Great member service and staff willing to help with any situation where you may need a loan or advice. 
 
- Todd K.
 

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.
Read More
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. 
Read More
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.
Read More
Member Knowledge Base