Kids Club Flexible Demand & Term Notes

Help youth learn to save, share, and spend smarter.

Cornerstone Fund Kids Club Flexible Demand and Term Notes not only help youth learn the value of saving, but also learn the value of sharing—investments are used to help local communities from across the country.

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Help youth learn the value of both saving and sharing

With Cornerstone Fund Kids Club Flexible Demand and Term Note accounts, youth (ages 0-18) begin to learn the value of both saving and socially responsible investing. Investments help the Cornerstone Fund offer low-cost loans to local United Church of Christ ministries and non-profit organizations around the country.

Convenient, flexible access to your Kids Club investment

With a Kids Club Flexible Demand Note account, youth will have convenient, flexible access to investments while also earning competitive interest rates* with no fees. Kids Club Flexible Demand Note accounts can be opened for as little as $25.

Earn even more with a Cornerstone Fund Kids Club Flexible Demand Plus Note account. This option rewards your young person even more with the same flexibility of a traditional demand note account. With an opening investment of at least $25 and a minimum monthly investment of $50 (via ACH/electronic funds transfer), the account will earn interest at an even higher rate.

Earn even more with Kids Club Term Notes

The Cornerstone Fund’s Kids Club Term Note account can be opened for as little as $500, and are available in terms from 3-months to 60-months. All Cornerstone Fund Term Notes offer competitive rates*. Plus, a Kids Club Term Note supports local communities through the programs and ministries of United Church of Christ congregations and non-profit organizations. Youth with a Kids Club Flexible Demand or Term Note Note Account will also receive a special gift upon opening an account; receive newsletters throughout the year with fun savings facts, games, and activities; and, receive a special birthday card each year.

Frequently Asked Questions

What is the minimum opening balance requirement?

A Cornerstone Fund Kids Club Flexible Demand Note Account can be opened for as little as $25. Term Notes (of any length) require a minimum opening investment of $500.


How much interest does the account earn?

All Cornerstone Fund Kids Club Notes earn competitive* interest. Check out our current rates, and we encourage you to compare them to other financial institutions.


What are the monthly service charges?

There are no monthly service charges with any Cornerstone Fund Kids Club investment option.


How can I access my account?

You can easily access any of your Cornerstone Fund accounts online. Enroll here.


Is there a monthly investment requirement?

There is no monthly deposit requirement for a traditional Kids Club Flexible Demand Note; however, if you’d like to earn a higher rate of interest, a Kids Club Flexible Demand Plus Note requires a $50 minimum monthly investment (via ACH).


Who can open a Kids Club account?

Any youth ages 0-18 can open a Kids Club Flexible Demand or Term Note Account. An adult over age 18 will be listed as the custodian of the Note until the youth turns 18.



About the Cornerstone Fund