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Children's Savings Accounts

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CFED seeks to expand the impact, effectiveness, and availability of children’s savings accounts as a tool to promote asset building and financial capability for low-income and minority children and youth. In the last three years, widespread and significant new opportunities to deliver CSAs at scale have captured the interest and commitment of leaders at the federal, state and local levels, as well as the private sector, who are laying the groundwork to transform this field from innovative pilot projects into a nationally recognized and scaled strategy.

Launching a CSA Program requires a considerable amount of background research and preparation. First off, the feasibility and organizational "fit" of providing CSAs must be carefully considered. Organizations should consider the following elements when establishing a CSA initiative:

  • Goals: What are the goals of the CSA Program? How will outcomes be tracked in order to evaluate impact?
  • Organizational "fit": Why is your organization interested in offering CSAs? Does it align with your organization's mission?
  • Partners: Who can you rely on in your community to help support your CSA program?

Read more about key discovery questions.

Learn more about existing programs models.

Learn about existing programs in our Children’s Savings Directory.

Featured Design Resources

Investing In Dreams

Investing In Dreams


Investing in Dreams: A Blueprint for Designing Children's Savings Accounts is an interactive guide to help organizations, cities, counties and states design successful CSA programs. This resource reflects the latest thinking on successful design and implementation of CSA programs from CFED and the many practitioners, researchers, funders and others who have helped shape this field.

 Dreaming Bigger: Designing a Large-Scale Children's Savings Program

Dreaming Bigger: Designing a Large-Scale Children's Savings Program

Thinking about setting up a children's savings program or interested in advocating for an initiative in your city or state? This capacity-building intensive from the 2014 Assets Learning Conference will provide you with the key information and resources you need to get started, including understanding the benefits of Children's Savings Accounts (CSAs), different program models, and the elements of designing and implementing a successful initiative with an emphasis on building scalable initiatives. Using first-hand examples from CSA programs, topics include setting up accounts, determining savings incentives, identifying funding opportunities and providing financial education.

Children's Savings 101

Children's Savings 101

The Children's Savings 101 session of the 2014 Children's Savings Conference focuses on the nuts and bolts of designing and implementing a successful savings initiative for children or youth. Topics include partnering with financial institutions, account structure, savings incentives and financial education. In addition to the presentation and a recording of the session, resources on the key research and evidence on the impact of children's savings and how it can be used to garner support from internal and external stakeholders are also available.

CSA Budget Calculator

CSA Budget Calculator

An interactive tool that helps users put together an overall budget for their CSA program, including estimating program delivery costs and savings incentives for a one to five year period.

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