We believe a brighter future starts with a strong financial foundation, and that journey begins with the parent. Whether it’s starting the conversation about money with a child, opening their first account, helping a young adult pay for college, or anything in between, Elements has a fresh program designed to support families!

Coming August 4 – The Bright Futures Youth Program from Elements Financial

This initiative provides age-appropriate tools, resources, products, and incentives to help families build financial confidence for the next generation.

Who is it for? Children and teens ages 0-18 who are among our current Elements members, families, and prospective members.

Our Bright Futures Youth Program supports our mission to empower financial success at every stage with innovative updates to our products and personalized financial education for each age group.

Featured Products

Grow Account: A special account just for children under age 18, now with a new Youth Deposit Bonus¹. Learn more. 

Student Edge Checking: Children and young adults can enjoy great perks with Student Edge Checking, including the new Youth Debit Card Rewards². Learn more. 

Birthday and Graduation Certificates: Our certificates are the perfect gift for milestones. Available for ages 0-24. Learn more. 

Student Loans: We offer an Undergraduate Line of Credit for families to borrow what they need, when they need it. Learn more.

Financial Education via Banzai

Elements Financial has partnered with Banzai to provide interactive financial education to empower you and your children with the skills needed to manage money and strengthen financial independence.

• Banzai Junior Ages 8–12: Fun, interactive lessons on saving, spending, and goal setting.  
• Banzai Teen Ages 13–18: Real-world skills like budgeting, banking, and preparing for financial independence.

Getting Your Youth Involved

Who’s that puppy in the picture? Meet our youth mascot, Ruby! She is a dedicated saver with her own Grow Account. Recently, she saved up enough money to buy her own ruby dog collar!

This summer, Ruby is practicing baseball with our friends at Victory Field. She needs help from the young members of Elements to bring color to her world.

Enter our Summertime Coloring Contest, now through August 15, for a chance to win some exciting prizes.³ Full contest rules here.

Let us know how we can partner with you and the youth in your family. For more details, visit elements.org/brightfutures.

1. $5.00 Deposit Bonus – Offer effective July 15, 2025. Earn a $5 bonus dividend each calendar month for Elements members ages 18 and under who are the primary owner of a Grow savings account. To qualify for this bonus offer, a minimum of 5 separate deposits of at least $5 each, per calendar month must be made into the same Grow savings account. Only one deposit per day of at least $5 will count towards the 5 separate deposits requirement for the calendar month. Dividends and refunds are excluded from qualifying deposits. Upon meeting the 5th qualifying deposit in a calendar month, the $5 bonus dividend will be deposited into the Grow savings account the month after the deposit qualification is met. The bonus is considered dividends and may be reported on form 1099-INT. One $5 bonus per member per calendar month. Membership required. Additional terms and conditions may apply. Elements reserves the right to amend or discontinue this offer at any time.
2. Student Edge Checking Debit Card Reward – Offer accurate as of July 15, 2025. This offer is available to members ages 10 to 18 years with an active Elements Student Edge Checking account. Limit one $5 Debit Reward per member per month. To qualify for the monthly reward, the member must complete ten (10) debit card purchases, excluding money transfers and ATM transactions. Members who meet the qualifications will receive a $5 reward, deposited into their Student Edge Checking account the month after completing the required debit card transactions. For example, if the 10 qualifying transactions are completed and posted in August, the reward will be deposited in September. Account must be open and in good standing at the time of reward distribution. The credit union reserves the right to modify or discontinue this program at any time without prior notice
3.  Terms and conditions apply.