Who can join Cosmo's Kids Club?

Any child up to 12 years old can join. If they're already a BrightStar CU member and under 13, they're automatically enrolled. A parent or guardian must be present to open an account.

Is there a fee to join?

No! Cosmo's Kids Club and the Super Savers account are completely free. There are no monthly fees or minimum balance requirements.

How does the Super Saver Card work?

Each time your child makes a deposit of $5.00 or more at a BrightStar branch, they'll earn a stamp on their Super Saver Card. After collecting five stamps, they can trade in their card for a prize from Cosmo's treasure box.

What kind of prizes are in the treasure box?

Cosmo's treasure box is filled with age-appropriate toys, games, and fun items. The prizes change regularly so there's always something new to discover.

Can deposits be made online?

Super Saver Card stamps are earned for in-branch deposits, since that's where kids can interact with the tellers and learn about banking in person. However, additional deposits can be made online through a parent's account.

What happens when my child turns 13?

When your child turns 13, they graduate from Cosmo's Kids Club and can transition to our Youth Banking program, which offers a youth checking account and more independence with their finances.

What do I need to open an account?

Visit any BrightStar branch with your child. You'll need a valid ID for the parent/guardian, the child's Social Security number, and a minimum deposit of $5 to open the savings account.

Is the money insured?

Yes. All deposits at BrightStar Credit Union are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

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Cosmo's Kids Club

Meet Cosmo, the Super Saver Hero! Join Cosmo's Kids Club at BrightStar Credit Union and start saving. Free for kids up to 12.

Hey kids! I'm Cosmo, Super Saver Hero!

I am from the ICUS (Intergalactic Credit Union Association) and I am teaming up with BrightStar Credit Union to help you start saving. You're invited to be part of Cosmo's Kids Club for young savers up to 12.

It's Easy to Join Cosmo's Kids Club!

1. Become a Member

If you're already a member of BrightStar CU and under 13, you're automatically enrolled! Not a member yet? Drop by any branch to open a Cosmo's Super Savers account. It's FREE!

2. Start Saving

Pick up a Super Saver Card from your favorite BrightStar teller. Each time you make a deposit of $5.00 or more, you'll earn a stamp on your card.

3. Earn Prizes

Collect five stamps on your Super Saver Card, then trade it in for your choice of prizes from Cosmo's treasure box!

How the Super Saver Card Works

Make a deposit of $5.00 or more to earn a stamp. Collect five stamps, then trade in your card for a prize from Cosmo's treasure box!

Why Saving is Super

Your money is safe and protected at BrightStar Credit Union, insured by NCUA

Your savings grow over time — the more you save, the more you earn

Earn prizes just for making deposits — saving has never been this fun

Learn smart money habits early that will help you your whole life

Save up for something special — a new toy, a gift for someone, or a big goal

Join thousands of young savers in our BrightStar community

For Parents

Cosmo's Kids Club is more than just a savings account — it's a way to teach your children the value of saving early. Here's what you get:

Free savings account with no monthly fees

Fun rewards system that motivates kids to save regularly

Federally insured by NCUA up to $250,000

Easy to open at any BrightStar branch with a parent or guardian

Builds financial literacy and healthy money habits from an early age

Questions About Cosmo's Kids Club

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Ready to Join Cosmo's Kids Club?

Visit any BrightStar Credit Union branch to open a free Cosmo's Super Savers account and pick up your Super Saver Card.

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