Kids Club Account

It is never too early to teach your child how to save

Kids Club Account 
Watch your kids and their money grow.

Start off small


Minimum balance required to open account

Open to children ages

12 – under

Parents and guardians set up Kids’ Accounts to help their child save money and learn financial responsibility. The child must have a parent or grandparent on the account and must qualify for membership at the credit union. Once the child reaches 13 they will be eligible to convert to a teen account. (See Membership and Eligibility)

Kids Club Features and Benefits

✓ Teaches youth about finances and the value of money.

✓ Unlimited monthly transfers or withdrawals

✓ Open to age 12 and under

✓ Staff at CUofR available to speak with your class for educational purposes

✓ $5.00 membership deposit is the only requirement

✓ Provides educational material to help with math, eating healthy and financial education

✓ The Club account earns a competitive rate of interest (dividends)

✓ Bring your child in to make deposits

✓ Earn prizes for every 10 deposits

✓ Enjoy many lessons and games with Fiona and Freddie

✓ Access your child's account with your mobile app

✓ Earn money for good grades

CUofR Great Grades Program

Earn $1 for every “B” and $2 for every “A” on your end-of-nine weeks report card! 

You work hard to get an education and Credit Union of Richmond wants to reward your efforts. Bring in your end-of-nine weeks report card grades to our branch and show us your good grades. We will deposit your reward into your share savings account at Credit Union of Richmond.

Deadlines to redeem:

  • Bring in your August – December report cards by January 31st the following year.
  • Bring in your January – June report cards by July 31st of that year.


  • Earn a maximum of $10.
  • Grade must be an “A” or “B” on whatever the highest score is on the school’s grading scale (E, 3, ETC.).
  • Electives do not count.
  • Student must be a member of Credit Union of Richmond.
  • Offer is available to students in grades K – 12.


Meet Frivolous Freddie. Freddie loves to go shopping and spend money. He knows that he needs to be financially responsible like his older sister Fiona but doesn’t know where to start.

Meet Frugal Fiona. Fiona wants to teach her brother and credit union friends how to save money. She is on a mission to help children be financially responsible. Follow along with the adventures of Fiona, Freddie and their financial friends. Get your child started today with their very own account.Frugal Fiona

Fiona and Freddie’s Activity Corner

We make learning good money habits fun with Fiona and Freddie! Enjoy hours of fun with these printable coloring and activity sheets for you children.

Freddie’s Word Scramble

Freddie’s Word Search

Freddie Coloring Page

Fiona Coloring Page

Find Financial Friends

Track Your Account With Fiona

Fiona and Freddie want you to join Kids Club today!

For more information, please give us a call at 804-355-9684 or email It is never too early for your child to save.

Have a Teenager?

Credit Union of Richmond offers Teen Accounts for teens ages 13 – 17. Our Teen Accounts are designed to help teens learn how to manage their money. Let us be there every step of the way, sign up for a kids club or teen account today.
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