Youth Accounts

Youth Accounts

It’s never too early to teach your children or grandchildren the importance of financial know-how. That’s why CommStar Credit Union offers youth accounts* exclusively for kids age 11 and under, and teen accounts for teens age 12 to 17. Complete with their own interactive websites, special interest rates and fun prizes, our youth accounts make banking fun!

*All accounts for persons under the age of 18 require a joint owner.

M3 Money Club

The M3 Money Club is a savings account program designed for kids age 11 and under. You can open an account for your elementary school student, preschooler or even newborn. The M3 Money Club is perfect for your child to deposit allowances, birthday checks or the contents of his piggy bank in an effort to learn about saving money. The custom website has fun interactive content including coloring sheets and games where your child will help Cash and Violet defeat the Evil Dr. Spendit! Visit us to start your child on his or her money-saving adventure today!

Click here to launch the M3 Money Club website

Image: M3 money club characters


Elements of Money

The Elements of Money account is designed specially for teens to save money their way. In addition to the Elements savings account, teens are able to open their very own checking account, perfect for teaching them to balance a checkbook, budget spending, and even set up ACH direct deposit for their first jobs. The Elements website has blogs and educational material specifically designed to engage your teen. If your child already has an M3 Money Club account it will automatically and seamlessly transition to an Elements teen account on his or her 12th birthday.

Click here to launch the Elements of Money website

Image: Elements of Money


Youth Growth Certificate

Our new Youth Growth Certificate for anyone 18 and under is perfect for saving money for a major purchase or your first long-term investment. A low minimum deposit of just $200 and secure rates make this great if you want to continue to deposit money and earn a higher dividend rate than a regular savings. Minimum deposits are just $25, so you can add to your Youth Growth Certificate anytime!



Click here to see rates associated with these accounts.
Click here to see disclosures associated with these accounts.