Routing 242077312·513-753-2440·Find a branch
Champion Club is Sharefax Credit Union's savings account for kids 17 and under. Every birthday, a Champion's Key arrives in the mail that opens the treasure chest at your branch. Yes, really.
It earns 0.30% APY, six times our regular savings rate of 0.05% APY, and every deposit is a prize drawing entry.
$5 to start · About 30 minutes at any branch · Bring their SSN and your ID
APY = Annual Percentage Yield. 0.30% APY applies to Champion Club balances of $0 to $1,499. Rates updated 3/12/2026. Fees could reduce earnings.
Federally insured by NCUA · 0.30% APY Champion Club savings
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For the grown-ups
If you grew up around Cincinnati, you might remember it. A little key in the mail on your birthday, and a castle door at the toy store that only your key could open.
We missed it too. So we brought the feeling back, for a new generation of savers. Same thrill. Plus a savings account that grows up with them.
The key grows up
From a newborn's first deposit to their first car key, here's what a Champion Club kids savings account looks like at every age.
Their key, notch by notch
Ages 0 to 5
Coins in, number goes up. They learn money has a home, and it isn't the couch cushions.
What Sharefax offers
A Champion Club account, opened by a parent or guardian. Their first Key Day can come in year one.
Parent tip:Make birthday money a deposit day. Half to spend, half to save is a great start.
Ages 6 to 10
Chores, allowance, the tooth fairy. They pick a goal and chase it.
What Sharefax offers
Every deposit is an entry in their age group's quarterly prize drawing. Yes, the cork pop gun is in there. Sorry, parents.
Parent tip:Let them hand the deposit to the teller themselves. It's a bigger deal than you think.
Ages 11 to 13
Bigger dreams: a bike, a game, a concert with friends.
What Sharefax offers
Online and mobile banking so you can check the balance together and see the goal get closer.
Parent tip:Look at the balance together once a month. Celebrate the milestones, not just the total.
Ages 14 to 17
First job, first paycheck, first car fund.
What Sharefax offers
Student Rewards Checking and a debit card, right next to their Champion Club savings.
See Student Rewards CheckingParent tip:Set up an automatic transfer from each paycheck. Even $10 adds up fast.
Ages 18 and up
College, a first apartment, a first set of car keys.
They become a full member in their own name, and we're here for whatever comes next.
Parent tip:Sit down together before the first big loan. We're happy to pull up a chair too.
Stop by any branch to open their Champion Club account. Their first Key Day could be this year.
Kids savings calculator
Deposits only, before interest.
The honest bit on interest: Champion Club savings pays 0.30% APY on balances from $0 to $1,499, versus 0.05% APY on regular savings. Rates updated 3/12/2026. Fees could reduce earnings.
Nothing you enter here is saved or sent.
6Birthday$260$7807Birthday$260$1,0408Birthday$260$1,3009Birthday$260$1,56010Birthday$260$1,82011Birthday$260$2,08012Birthday$260$2,34013Birthday$260$2,60016Birthday$260$3,38017Birthday$260$3,64018Birthday$260$3,900Stamp = milestone birthday
$5 a week from age 3 adds up to
$3,900
saved by 18
780
prize drawing entries
Chances to win prizes picked for their age group.
14
birthday keys still ahead
Each one opens the treasure chest at your branch.
Estimate with 0.30% APY: about $3,989 by 18. Higher balance tiers can earn more.
Counts one deposit a week, one entry per deposit, and one key per birthday through age 17. Deposits only; interest not included.
Prize drawings + Key Day
How kids earn prize drawing entries with every deposit, and when their birthday key arrives.
1 deposit = 1 entry in that quarter's prize drawing for their age group
1 birthday = 1 key in the mail and a trip to the treasure chest
Their key arrives every May. Prize drawings are at the end of March, June, September, and December.
Ages 0 to 5
Cuddly plush pals
Ages 6 to 8
Cork pop guns
Ages 9 to 10
Wind-up tin robots
Ages 11 to 13
Kings Island goodies
Ages 14 to 17
A real drone
Examples. A standard set of prizes all year long, including Kings Island favorites like the cork pop gun. See the official rules for the full list.
The birthday castle
Drag the key to the lock on the little door. Then tap to turn it.
How to open
Here's exactly what to bring and how long it takes.
Path 1
Add a Champion Club account for your kid. Stop by any branch or call us and we'll walk you through it.
Call 513-753-2440Path 2
Open together at a branch. You'll join Sharefax and open their account in the same visit.
Find a branchPlan on about 30 minutes at the branch. Most of that is paperwork, and we'll keep the kid busy.
Bring your kid. They get to meet the chest.
Wait, what chest?
Every Sharefax branch has a treasure chest full of prizes. On their birthday, your kid gets a key in the mail. Bring it in, they turn the key, they pick a prize. That's Key Day.
Questions parents ask
Still have a question?
Call a real person in Cincinnati at 513-753-2440, or stop by any of our 9 branches.
Yes. A parent or legal guardian can open a Champion Club savings account for any child 17 and under. You'll be on the account with them.
Any age, from newborn through 17. Lots of families open one in the first year so the very first Key Day comes right away.
Your child is the owner, and you're on the account with them as the parent or guardian until they turn 18.
They become a full Sharefax member in their own name. We'll help move their savings into an account that fits where they're headed next.
Grandparents are some of our biggest Champion Club fans. They can make deposits any time. To open the account, bring a parent or legal guardian along.
Every deposit is one entry into that quarter's drawing for your child's age group. Drawings happen four times a year. See the official rules for dates, prizes, and any limits.
At all 9 Sharefax branches around Greater Cincinnati. When the birthday key arrives in the mail, bring it in and let your kid unlock the chest.
The best one is the one your kid will actually use, so compare the rate, fees, minimums, federal insurance, and how easy it is to visit. Champion Club earns 0.30% APY on balances up to $1,499, six times our regular savings rate, every deposit is a prize drawing entry, it's federally insured by NCUA, and there are 9 branches around Greater Cincinnati.
See all savings rates$5 opens their membership share, which also makes them a Sharefax member. After that, any amount is a great deposit.
Yes. Champion Club is for any age from newborn through 17, so their first Key Day can come in their very first year.
Ask us at any branch and we'll walk you through exactly how the account is set up for your family. A parent or legal guardian opens it with the child and stays on the account until they turn 18.
Yes. Savings at Sharefax are federally insured by NCUA up to at least $250,000.
Ask us at any branch or call 513-753-2440 and we'll go over the current fee schedule before you open, so there are no surprises.
Anyone who lives, works, worships, or attends school in the 12 Southwest Ohio counties we serve, plus family members of Sharefax members.
See who can joinYes, for teens. From 14 to 17 they can open Student Rewards Checking with a debit card, right next to their Champion Club savings. Younger kids save with Champion Club.
See Student Rewards CheckingNo purchase necessary where required by law. Champion Club prize drawings are savings promotion raffles for eligible Champion Club members 17 and under. Entries are earned per deposit within each quarter. Full official rules, including eligibility, drawing dates, prize descriptions and approximate retail values, are available at any branch. Prize drawings are not sponsored, endorsed, or administered by Kings Island. Read the full official rules
APY = Annual Percentage Yield. Champion Club savings APY is 0.30% for balances of $0 to $1,499; higher balance tiers earn up to 0.70% APY. Regular savings APY is 0.05%. Rates accurate as of 3/12/2026 and may change after the account is opened. Fees could reduce earnings. A $5 par share and Sharefax membership are required.
This page does not collect information from children. Anything you enter in the calculator or calendar stays in your browser.
Federally insured by NCUA. Equal Housing Opportunity.
