Youth Accounts

Youth Accounts

FICO® Credit Scores

Youth Accounts

We’re committed to helping our youth develop healthy financial habits and achieve their goals of a brighter future.

Book an Appointment to Open a Youth Account

M3 Money Club1

Join in the fun of being part of our M3 Money Club! Not only will you learn how to save but you will receive useful information, games, and even prizes.

  • For ages 0 -12 
  • Access accounts in online and mobile banking
  • Download cool comics and cartoons, play games, and more in the M3 Activity Center

Elements of Money Savings Account1

Learning how money works is an important skill that everyone should obtain at a young age. Learn how to save money and grow your accounts with our Elements of Money youth account!

  • For Ages 13 - 17
  • Access to accounts in online and mobile banking

Listen to podcasts, read articles, and learn how money impacts teenagers at the Elements of Money website

Teen Checking2

Take the first step toward financial independence with our fee-free teen checking account.

  • Ages 13 - 17
  • Unlimited debit card with chip and tap technology
  • Access to accounts in online and mobile banking
  • No monthly service fees
  • Access to 30,000 Surcharge-free CO-OP ATMs

Rates

Loan Type
Term (Months)
APR*
Notes
Account Type
Dividend Rate
APY*
Account Type
Terms (Years)
APR* as low as
Notes
M3 Money Club
Term (Months)
APR*
-
1.00%
Notes
M3 Money Club
Term (Months)
APR* as low as
-
1.00%
Notes
M3 Money Club
Term (Months)
1.00%
APY*
-
1.00%
Element Savings
Term (Months)
APR*
-
1.00%
Notes
Element Savings
Term (Months)
APR* as low as
-
1.00%
Notes
Element Savings
Term (Months)
1.00%
APY*
-
1.00%

*APY = Annual Percentage Yield

1Minimum $5 deposit at the time of account opening. A parent or legal guardian must sign on to this account as a joint owner.

2Minimum $5 deposit at the time of account opening. A parent or legal guardian must sign on to this account as a joint owner. This account will convert to a secure checking at the age of 18. Must have a savings account to open. Other Miscellaneous fees apply. For more information talk to a Sun Community Member Service Representative.