Build Big Dreams, One Dollar at a Time with GPO?s Bright Future Savings Program
01/05/2026
How it works:
- Each child establishes a Bright Future Savings account working toward a goal tailored to their age or grade level.
- Once your child meets their annual Bright Future Savings goal (which runs on a July 1–June 30 calendar year), GPO will convert that exact amount into a Bright Savers Certificate, earning high interest and growing their savings even faster!
- Bright Savers Certificates are issued each July and will mature in December of your child’s high school graduation year.
- Kids who join early and meet all savings goals could graduate high school with over $10,000** saved!
Who Can Join?
Children of all ages are welcome, from newborns to preteens (birth to 17 years of age). Any child age 14 or younger must have a joint owner who is 18 years or older. To open an account, you will need the child’s Social Security card and birth certificate. Children age 15-17 may open a Bright Future Savings account without a joint owner.
Families living, working, worshiping, or attending school in GPO’s membership area can participate.
Miss a Goal? No Problem!
If your child misses one of their goals, they may qualify for a $500 Fallback Share Certificate earning 5% dividend rate* – because every step builds a brighter future!
Early Withdrawal Options
Bright Future Savings Program has no fees, so members may choose to withdraw the funds before your child’s senior year for college prep or other needs. Please consult your advisors to guide your family on the best strategy.
GPO’s Bright Future Savings program helps children learn the value of money, set and reach savings goals, build lifelong financial habits and create a strong financial foundation for the future.