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

Resources

Financial Education

Identity Protection

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

Notes

Notes

Term (Months)

APR*

-

1.00%

Notes

Term (Months)

APR* as low as

1.00%

Notes

Term (Months)

1.00%

APY*

-

1.00%

Term (Months)

APR*

-

1.00%

Notes

Term (Months)

APR* as low as

1.00%

Notes

Term (Months)

1.00%

APY*

-

1.00%

Disclosures

¹Minimum $5 deposit at the time of account opening. A parent or legal guardian must sign on to this account as a joint owner. The dividend rate and Annual Percentage Yield (APY) accurate as of 01/15/2025. Fees may reduce earnings. Dividend rates are variable and subject to change after the account is opened. There is a $5 minimum balance requirement to obtain the disclosed annual percentage yield (APY) on the M3 Money Club and Elements Account.

² This account will convert to a secure checking at the age of 18. Must have a Youth savings account to open. Other Miscellaneous fees apply. For more information talk to a Sun Community Member Service Representative.