KEMBA believes it’s never too early for kids to start learning how to save and practice smart money habits. That’s why we created the Sprout & Grow Kids Club—a fun, educational savings program designed for kids up to age 12. As they grow, their account will transition to our Level Up Teen Account at age 13, keeping them engaged and motivated to continue building financial skills.
By starting early, your child begins a lifelong journey toward financial confidence with an account that grows right alongside them. Plus, you’ll be able to move money, monitor activity, and guide their progress with ease, all while keeping your banking in one trusted place.
When your child becomes a KEMBA Sprout & Grow Kids Club member, they’ll get more than just a savings account— they’ll become part of a special club designed to help them grow their financial roots and blossom into smart savers! With your help, your child can take their first steps toward financial confidence and have fun while doing it!
The KEMBA Sprout & Grow Kids Club makes savings fun and easy! With our tools and guidance and you as your child’s coach, they’ll start making smart money habits in no time! When these savings skills are learned early in life, it will help prepare them for tomorrow and give them a chance at a stronger financial future for life!
Say hello to our friendly squirrel mascots, Billy and Penny! This brother-sister duo loves to save, share, and learn—and they’re here to help your child do the same. Through stories, activities, and adventures, they make the journey to financial confidence both exciting and relatable.
Be sure to visit this page often for new coloring sheets, activity pages, and challenges featuring Billy and Penny. That way, your child always has something new to explore, while building smart money habits that last a lifetime.
The Sprout & Grow Kids Club is just the beginning. In addition, you’ll find more ways to save such as:
For savvy young savers ages 8-12, we’re offering something extra special — our Youth Certificate Special! With a premium interest rate on deposits up to $1,000, this certificate will grow with your child. It matures on their 18th birthday, just in time to help with big goals like college, a car, and more! It’s a powerful way to plant a financial seed now and watch it flourish for years to come!
As a parent, you’ll also feel confident knowing you’re giving your child a strong start. With easy online and mobile access, you can transfer allowance money, birthday cash, or part of your direct deposit into their account. Automatic transfers can even be set up to keep saving simple and consistent.
Speak with a KEMBA representative to set up a KEMBA Sprout & Grow Kids Club account or complete the online membership application with the “Open an Account” link at the top of this page.
*Our Youth Certificate offers a special rate, see the Deposit Rates link at the bottom of the page for the current rate. Primary account owner of our Youth Certificate Special must be between the ages of 8 and 18. The certificate automatically matures on the child’s 18th Birthday. Certificate must remain on deposit the full term to receive any dividends. With the exception of the rules, all other certificate rules and disclosures apply.
