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The Kids Are Rewarded for Saving (KARS) Program teaches the value of saving and provides rewards for kids to help them reach their goals.

With a KARS kids savings account, your child can earn rewards and keep track of their savings with a Saver's Punch Card. One deposit counts as one punch. Once enough punches have been saved, the card can be redeemed for prizes.

kARS Prizes

Prize Points Needed
Mood Pencil 2 points
Highlighter 10 points
Coin Pouch/ Mini Football 15 points
Water Bottle 25 points
Lunch Bag 35 points
Tasty Treat 45 points
Movie Pass 60 points


  • Available to kids 12 and under
  • Official membership card
  • Small gift to help your savings grow
  • Birthday card and a small gift
  • Contests and events held throughout the year
  • Fun and educational information
  • $5.00 to open
  • Earn dividends*

*Rates may change after the account is opened. Fees may reduce earnings on this account. 

Parents: please have verification of your child's social security number as well as proof of address, verification of your own social security number, and a photo ID when you open a kids savings account at the credit union. Parents are also required to open a share savings account with R.I.A. before or at the time of opening your child's account.

The online financial services offered through the Credit Union's Website are not designed for or directed toward children under age 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. If we receive online information from anyone that we know to be a child, we will only use the information to respond directly to a child's request.

We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents. If any member believes their child has provided personally identifiable information to us, they must contact us so that we can allow you the opportunity to review and delete such information.

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