Youth Accounts

For our 12 and under members:
It’s never too early to start teaching financial responsibility. Both our savings and certificate accounts come with free membership to the exclusive M3 Money Club. Both the website and quarterly newsletter are packed with fun facts, money tips and games that make learning about finances fun for your little ones.
 
Kid Membership Savings

• No monthly service fee
• Open with as little as $5
• Access the account at over 5,000 branches nationwide
• Earn 0.20% APY

 
Kid 24-Month Certificate

• Make up to 6 additional deposits ($25 minimum deposit)
• $100 minimum deposit to open
• Earn 4.30% APY*
• Dividends can be automatically deposited to another account each month

Schedule An Appointment

Teen Accounts:
Money doesn’t grow on trees, but it can grow in our Credit Union. Choose an account (or two) and help your teen learn the importance of financial responsibility, earning, and saving. Our checking and savings accounts are designed specifically for 13- to 17-year-olds, with no monthly service fee, free checking and a free debit card. Plus all of our teen accounts come with free membership in Elements. Both the website and quarterly newsletter are packed with teen-friendly school info, money quizzes, and jobs tips.
 
Teen Free Checking

• $100 per day withdrawal limit (or another amount the parent chooses)
• Account access at over 5,000 branches and over 30,000 free ATMs nationwide
• Free Online Banking
• Free Mobile Banking, including Online Deposit 
• Account Alerts 
• First box of checks free
• Open with as little as $20
• Unlimited check writing
• Overdraft protection

 

Teen Membership Savings

• $40 per day withdrawal limit ($100 per day for ages 16 and 17, or other amount chosen by parent)
• Open with as little as $5
• Access your account at over 5,000 branches and over 30,000 free ATMs nationwide
• Earn 0.20% APY*

 

Teen Club 24-Month Certificate

• Make up to 6 additional deposits ($100 minimum deposit)
• $250 minimum deposit to open
• Earn 4.30% APY*
• Dividends can be automatically deposited to another account each month

Schedule An Appointment

You can’t always be there to question their purchases (purple hair extensions?), but you can guide them to make smarter financial decisions. Our Young Adult Certificate gives 18- to 22-year-olds real-world benefits and features to help them become more financially responsible and savvy.
 
Young Adult 24-Month Certificate

• Earns higher dividends than Membership Savings
• Make up to 6 additional deposits ($100 minimum)
• $250 minimum deposit to open

OPEN ACCOUNT