Saving with us Child Trust Fund

How do I save?

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How do I withdraw my savings?

The Child Trust Fund (CTF) is a savings account for children and is designed to help your child save from an early age.  Cardiff & Vale Credit Union offers a Child Trust Fund Account.  This is a cash savings account, not a stakeholder account so the value of the funds will increase over time. 

The interest rate on Child Trust Fund accounts up to the end of September 2012 was 2%.


Any child born on or after the 1st September 2002 and before 3rd August 2010, living in the UK and registered to receive child benefit will automatically receive a £250 or £500 CTF voucher. Any child born on or after 3rd August up to 1st January 2011 will usually recieve £50. The voucher must be put into a Child Trust Fund and can be topped up by parents, family or friends to a maximum of £1,200 a year. The CTF account is subject to an annual interest rate. The money can only be taken our by the child when they reach the age of 18.

If you have already invested your voucher or it has been invested on your behalf, you can transfer your Child Trust Fund in to Cardiff & Vale Credit Union at any time. 

Simply complete the CTF application form by clicking here and provide details of your current CTF provider and reference number if you are looking to transfer an existing account to the Credit Union.

Please note the current changes to the Child Trust Fund account by clicking here: 


Your Account
Account ID

Date of Birth

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Cardiff & Vale Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 213467)