APS Savings > Term Investments

APS Kids Club

Teach your kids or grandkids about the power of investing with the APS Kids Club!

How it works

Support and FAQs

Get in touch

Welcome to the APS Kids Club!

When your kids or grandkids join the APS Kids Club, they’ll be earning 4.25% p.a. on their investment! They’ll be able to watch their investment grow overtime, and you can help boost it further by contributing a small amount regularly. Kids Club accounts aren’t fixed investments, meaning you can withdraw whenever you are ready, just give us 31 days notice to withdraw.

4.25% p.a.

No fixed term

Meet Amanda and Sophie

Let’s say Amanda opens an APS Kids Club account for her daughter, Sophie. She deposits $20 into the account every week for 18 years, taking advantage of the compound interest rate of 4.25% per annum.

At the end of 18 years, Amanda’s consistent investment efforts, coupled with the compound interest of 4.25% per annum, yield impressive results for Sophie’s investment.

Total amount contributed  = $18,720
Total interest earned = $9,326
Total amount to withdraw = $28,046

With over $9K in interest earned over 18 years, Sophie now has a head start in saving for her first home, first car or an adventure of a lifetime!

How it works

1. Apply online

Decide how much you would like to initially invest. You can then apply online for a Kids Club investment online in under 20 minutes. 

2. Start earning interest

Start earning  interest with monthly earnings that can be automatically reinvested to make the most of compound interest.

3. Grow your investment

Grow your investment with regular direct debits. Just $20 per week will significantly boost your child’s investment.

3. Withdraw 

You always have the option to withdraw when your child is ready to access their funds. Just give us 31 days’ notice.


What are the fees associated with APS investments?

There are no fees associated with APS investments. As a profit-for-member cooperative, our priority is helping you to maximise your savings without having to worry about the fees!

Will my investment be secure?

This is not a bank product meaning you could lose all or part of your principal. Having commenced business in 1905 and being a nonprofit owned by 30,000 members and clients, we are a very conservative organisation. We use our depositors funds to fund residential property loans secured by first mortgage with a maximum loan to valuation ratio of 80 per cent. We do not fund property developments or commercial or retail property loans.

What are the minimum and maximum investment amounts?

For APS investments, you can deposit anywhere between $10 and $10M. We cater for all types of investors.

What are the identification requirements?

The Kids Club account will be created in the name of the guardian. If you are already an APS member, we do not require any identification requirements. 

How is interest calculated and paid?

Your interest is calculated daily. and added to the principal at the end of each calendar month.

We’re here to help you

Reach us from 9:00am until 5:00pm weekdays


1300 131 809



Notices & downloads

Application form and Prospectus View
APS Savings Financial Report to 30 June 2022 (3.3MB) Open
Target Market Determination View
 Latest Quarterly Trustee Report Open


Important information

This is not a bank product, it is an unlisted deposit note. No independent assessment has been made about the risk to investors losing any of their principal investment. Applications can only be made on the Investment Application Form which accompanies the prospectus issued by APS Savings Ltd. Please read the prospectus carefully before deciding whether to make an investment.