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Military families

Veteran-led, for military families.

No $2 monthly fee for active duty.

Invest for your kids from anywhere. Your account moves with you through every PCS and keeps going through every deployment.

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Forbes AdvisorBest Custodial Accounts of 2026

Aaron's family of seven, mom in dress uniform, standing in front of American flags
“Setting up the accounts for my kids was fast and easy.”Aaron and family

Why military families choose UNest

Made for life on the move.

  • No monthly fee for active duty.

    Active-duty families skip the $2 monthly fee and get $20 a year deposited into their child's account. A valid, unexpired military ID is required.

  • Moves with you through every PCS.

    New base, new state, same account. Nothing to close or reopen when you move.

  • Family can give from anywhere.

    Grandparents back home give with one gift link. No app needed.

  • Keeps going during deployment.

    Automatic deposits keep running while you're away. Saving never has to pause.

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Aaron, one of the veterans who lead UNest

Our story

We're veteran-led.

UNest is veteran-led. We built it for families who move often, spend time apart and still want a better future for their kids.

That's why the account goes where you go, and why active-duty families don't pay the monthly fee.

In 2023, UNest entered a new chapter. Our leadership team has known each other since our days at the United States Air Force Academy, and our Head of Compliance is an Army veteran.

Read our mission

FAQs

Questions from military families

Who gets the monthly fee waived?
Active-duty military members with an active UNest account in good standing don't pay the $2 monthly fee.
How do I verify my service?
Share a valid, unexpired military ID in the account holder's name. UNest may ask for more documents and can deny the credit if eligibility can't be confirmed.
Does the 0.25% annual fee still apply?
Yes. Active-duty families still pay the 0.25% annual fee. Only the $2 monthly fee is waived.
What happens when I leave active duty?
Your account stays open and your child's money stays invested.
Can family back home give to my child?
Yes. Share your gift link, and family can give from any phone or computer. They don't need an app. How gifting works.

Forbes AdvisorBest Custodial Accounts of 2026

Start your child's account in minutes.

No $2 monthly fee for active duty. Family can give with one link, from anywhere.*

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  • 100K+ registered parents
  • $50M+ invested
  • 4.7 App Store rating
  • Veteran-led