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Programs & Resources

Youth Savings Clubs

Because it's never to early too learn good savings habits, CommonWealth One has developed savings programs to help children and adolescents build their financial futures while giving them sound money management skills. Good savings habits start early, so give your children a good start in life. 

Our savings clubs can help you teach your child to save better, spend smarter and use financial services wisely.

Lil' Sprouts Account


The Lil' Sprout Account is a special savings account for children up to 4 years of age. Because CommonWealth One knows how important it is to invest in your child's future, we set up this savings program for parents, grandparents, aunts and uncles who want to make sure their little one is a step ahead.

All you have to do is establish a minimum of $20 direct deposit each month and we'll fund the first $25 in the new account! This is the best gift you can give to the newest member of your family.

Centsables Youth Program


Your children, ages 5-12, can learn about money in a fun and exciting way with the Centsables, a dynamic group of financial superheroes that dispatch evil villains and rescue people from financial traps.  

 Sign up your child today to become a Centsables member by opening a new youth savings account with a $5 share deposit at a branch or online.  Visit our Centsables website to learn more!

SmartSavers Club


The SmartSavers Club is a program for members 13-17 years old that encourages teenagers to learn smart money management. Your teenager will get:

  • Checking Account - Using a checking account will show you how to spend your money wisely. And your first 25 checks are FREE!
  • Visa® Debit Card - Use it anywhere Visa® is accepted to pay for items directly from your checking account. It also acts as your ATM Card.
  • Visa® Credit Card - If you're at least 16 years old, you can get your own Visa® Credit Card with a spending limit up to $500. It's a small but safe step towards learning how to use a credit card responsibly.
  • Bi-Annual Newsletter
  • Membership kit with useful financial tips and information

Youth Savings Club accounts can be opened at a branch or call (800) 424-3334.

*Parents must be co-signers on their children's accounts. Checking accounts, Debit Cards, and Visa® Credit Cards are available to qualified SmartSavers Club members and require a parent or guardian as a co-signer.

Children’s Online Privacy Protection Act

CommonWealth One Federal Credit Union recognizes its responsibility to protect the privacy of our youngest members. We are committed to protecting our young members and other visitors as they visit our kids section of our website.

It is the intent of CommonWealth One Federal Credit Union to comply with the Children’s Online Privacy Protection Act (COPPA) that governs and protects the privacy of our youngest members. For purposes of these guidelines, our youngest members are children under the age of 13. The online financial services offered through the CommonWealth One’s website are not designated for or directed toward children under age 13. Parents of individuals within this age group could register for online accounts.

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 including personal information such as name, address, email, account number, telephone, and social security number, we will only use the information to respond directly to a child’s request, seek parental consent, or provide parental notice. We will not sell, give, or share their personal information to/with any third party vendor or any other organization.

A parent or guardian has the right to review the personal information collected on a child under 13 years old. If requested, the parent or guardian can have the information deleted and refuse to allow any further collection or use of the child’s information. To make such requests, please contact us at (703) 823-5211.

CommonWealth One Federal Credit Union may collect information on domain names, dates and times of visits, and number of page views. This information contains no personal information. It will only be used to keep track of usage of our site and help improve our member’s overall website experience. Visitor information is never sold, given, or discussed with third parties.

CommonWealth One Federal Credit Union is committed to protecting our youngest members and will comply with all COPPA notice requirements. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC web site,