Explore Children’s Savings Accounts

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Save for college.
Inspire their future.®

Pursuing higher education goals may seem out of reach for many children from low- to moderate-income households, but children’s savings accounts (CSAs) can help address financial barriers.

CSAs are education-focused savings programs that have the power to help students reach their dreams thanks to the spark of encouragement CSAs provide. These savings accounts allow organizations or parents to set aside money for a child’s future education needs.

my529 has created over 10,000 CSA accounts with nonprofit, government and education organizations headquartered in more than 15 states. Our CSA-dedicated team is ready to help get your program started.

Start the program that transforms your community!

Email CSA@my529.org or book an introductory Calendly meeting to begin your CSA journey with my529.

What is a 529?

my529 CSAs offer advantages beyond traditional savings accounts and scholarships

  • Opportunities for growth with flexible investment options.
  • Tax-free withdrawals for qualified scholarship expenses — including tuition, fees, books, and required equipment.
  • Interested party access allows parents, guardians and students to view balances and monitor the account.
  • Improved student engagement and education outcomes.
  • Account structure flexibility allows programs to choose between scholarship accounts, individual accounts or a combination of the two.

my529 provides the CSA platform, your program provides the inspiration 

Your program team will love our easy-to-use administrative portal, where you will find account management features like reporting, funding, surveying and more.

my529 will set up a customized account-opening experience for your program participants, which includes your logo, welcome text and an option for data collection.

CSA programs vary as much as the organizations that run them. my529 empowers you to customize a program that meets the needs of your community. From an initial seed deposit to a series of academic or community milestones — such as achieving reading goals or meeting with counselors — you decide how your program awards students.

*Elliott, William. “Small-Dollar Children’s Savings Accounts and Children’s College Outcomes.”
Children & Youth Services Review 35, no.3 (March 2013): 572-85.

CSA resources

Institute for Economic and Racial Equity CSA Research

CSA Starter Kit

U.S. Senate Committee on Finance Hearing about CSAs

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Important Legal Notice

Investing is an important decision. The investments in your account may vary with market conditions and could lose value. Carefully read the Program Description in its entirety for more information and consider all investment objectives, risks, charges and expenses before investing. For a copy of the Program Description, call 800.418.2551 or visit my529.org.

Account Value. Investments in my529 are not insured or guaranteed by my529, the Utah Board of Higher Education, the Utah Education Savings Board of Trustees, any other state or federal agency, or any third party. However, Federal Deposit Insurance Corporation (FDIC) insurance is provided for the FDIC-Insured investment option. In addition, my529 offers investment options that are partially insured for the portion of the respective investment option that that includes FDIC-insured accounts as an underlying investments. Units in my529 have not been registered with the United States Securities and Exchange Commission or with any state securities commission.

FDIC insurance is subject to limits set by federal law. Click here for more information about FDIC Insurance.

Non-Utah Taxpayers and Residents. The state in which you or your beneficiary pay taxes or live may offer a 529 plan that provides state tax or other benefits, such as financial aid, scholarship funds, and protection from creditors, not otherwise available to you by investing in my529. You should consider such benefits, if any, before investing in my529.

Consult an advisor. my529 does not provide legal, financial, investment, or tax advice, and the information provided on this website does not contain advice and cannot be construed as such or relied upon for those purposes. You should consult your own tax or legal advisor to determine the effect of federal and state tax laws on your particular situation.

Morningstar rating. A Morningstar Analyst Rating for a 529 college savings plan is not a credit or risk rating. Analyst ratings are subjective in nature and should not be used as the sole basis for investment decisions. Morningstar does not represent its analyst ratings to be guarantees. Please visit Morningstar.com for more information about the analyst ratings, as well as other Morningstar ratings and fund rankings.

my529 does not pay commissions, loads or sales charges to financial advisors nor does it endorse financial advisors.

Information on this website is believed to be accurate when posted and is qualified in its entirety by the Program Description.