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Bright Futures Youth Program

Better products, promotions, and education just for our young members

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Young Members, Bright Futures

Elements Financial provides better banking for every generation. We believe a brighter future starts with a strong financial foundation, and our Bright Futures Youth Program can provide that. It's designed to support our young members with products, promotions, and education specifically for them. 

Parents, whether you're saving in your child’s first-ever account, teaching a teen to use a debit card, or helping a young adult pay for college, or anything in between, we’re here for every milestone.

Let us know how we can partner with you and the youth in your family. To get started, check out the opportunities below!

Who is That Puppy?

That's Ruby, our youth mascot at Elements! She is a dedicated saver. In fact, she works hard helping with chores at home and hosting dog treat stands in her neighborhood — then she deposits her money into her Grow Account at Elements. She saved for months to buy her own ruby dog collar.

Coloring Contest

Calling all young artists! Enter our summertime coloring contest for our youngest members, ages 4 -10, and you could win cash prizes or even our Grand Prize: 4 tickets to see Cosmic Baseball1 under black lights at Victory Field on September 6. Enter now through August 15.

Learn more and download the coloring page

Grow Account

Special account just for children under age 18
  • Youth Deposit Bonus: Earn a $5 bonus each month when you complete five deposit transactions of at least $5 each2
  • No monthly Maintenance Service Charge & No Inactivity Fee
  • Maintain a minimum daily balance of $100 to earn dividends
  • Helps teach your kids how to save and manage money
  • Ability to manage your account in Online Banking or the Mobile App

View Details

Student Edge Checking

Available to students as young as 10
  • Youth Debit Card Rewards: Students 10 to 18 can earn a $5 reward each month when they complete 10 debit card transactions3
  • No minimum balance & no overdraft fees
  • No monthly Maintenance Service Charge
  • Visa® debit card with the convenience of paying at retailers with a tap, a swipe, or a chip
  • Access to more than 90,000 surcharge-free ATMs worldwide

View Details

Student Loans

Offered in Partnership with Credit Union Student Choice
  • Undergraduate Line of Credit: Borrow what you need, when you need it — up to $75,000
  • Competitive interest rates
  • No origination or pre-payment fees
  • Co-borrower not required, yet qualified co-borrower could result in lower interest rate
  • Co-borrower release with 48 months of consecutive monthly on-time payments

View Details

More Savings for Youth: Certificates

KEY FEATURES

  • Similar to a CD at a bank
  • Higher rate than most savings accounts
  • Available in amounts of as little as $500 if under age 18
  • Typically, dividend rates that increase with the length of the Certificate term
  • Terms and rates available from 6 months to 5 years

MAY BE GOOD CHOICE IF

  • Perfect for milestones: Newborn, birthday, graduation, the holidays and more
  • You want a more predictable savings balance

Open a certificate 

HOW TO OPEN AN ACCOUNT

Financial Education for Youth

Elements Financial has partnered with Banzai to provide interactive financial education designed to empower you and your children with the skills needed to manage money and build financial confidence effectively. Ask us how your child can earn a little extra by completing a Banzai course4.

Banzai Junior

Banzai Junior provides real-life scenarios that show users how to make wise decisions when faced with financial dilemmas. Designed for kids aged 8 to 12, Banzai Junior uses the storyline of a summer lemonade stand and the goal of a new bike—or hoverboard for the financially daring—to teach concepts like interest and fees, envelope budgeting, and discretionary income.

Get started with Banzai Junior here!

Banzai Teen

Created for users aged 13-17, Banzai Teen gives teens the opportunity to work through real-life financial problems in a safe environment. Throughout the course, the user's goal is to save enough money to register at Vanderbilt Community College, but unforeseen challenges and quirky scenarios make reaching that goal not-so-straightforward—just like real life!

Get started with Banzai Teen here!

Members Also Viewed:

Educational Articles:
Resources for Recent College Graduates:
  1. 1 2025 Elements Financial Coloring Contest — No purchase necessary to win. The contest is open to Indiana residents only and children who are ages 4-10. The Coloring page must be submitted with the Official Coloring Contest Entry Form at the time of submission to be included. Odds of winning depend on number of entries received. Employees, independent contractors, officers, and officials of Elements Financial Federal Credit Union (Elements Financial), Indianapolis Indians, Tri-City Chili Peppers/Cosmic Baseball and their affiliates, subsidiaries, and immediate family members of each, are not eligible to participate in the contest. By entering the contest, entrants agree to release and hold harmless Elements Financial, its affiliates, subsidiaries, officials, officers, and employees from any and all liability for any injuries, loss, or damages of any kind arising from, or in connection with, this contest.

    To enter, submit your child’s completed coloring page along with the Official Coloring Contest Entry Form by one of the following methods by August 15, 2025 at 4:00 PM ET. In Person: Drop off at any Elements Financial Branch Location. Email: Send a scanned copy to businessdevelopment@elements.org. Mail: Elements Financial Coloring Contest ATTN: Business Development, 225 South East Street, Suite 300, Indianapolis, IN 46202

    One entry per child. Artwork must be original, completed by the child, and submitted by the parent. Elements will not accept direct submissions from minor children. By entering, you grant Elements Financial permission to share submitted artwork publicly for promotional purposes, not limited to the website, social media, within the branches, and other locations. The contest runs from July 15, 2025 – August 15, 2025.

    Privacy Notice: Elements Financial Federal Credit Union is committed to protecting your child’s privacy. The 2025 Elements Financial Coloring Contest is open to and directed at parents who may enter and submit artwork on behalf of their children.  It is not otherwise directed at minor children.  Any and all communications regarding this contest from Elements Financial Federal Credit Union will be with the Parent/Guardian Entrant, and not a child artist or other minor. The information collected through this contest (child’s name, age, and artwork) will be used solely for the administration and promotion of the contest. We do not sell or share this information with third parties. Parents may request to review or delete their child’s information at any time by contacting us at businessdevelopment@elements.org.

    From all valid entries, one (1) Grand Prize winner will be selected by a group of Elements employees and contacted by Elements Financial by August 22, 2025. The winner has 48 business hours to claim the prize. If not claimed, a new winner will be chosen. All decisions of Elements Financial with respect to the contest are final. Grand Prizes are not transferable, assignable, or redeemable for cash. All applicable federal, state, and local taxes, if any, are the sole responsibility of the contest winner. No substitution dates allowed. Postponement or cancellation is subject to the raincheck policy of the Indianapolis Indians and Tri- City Chili Peppers.

    The winner agrees to release name(s) and be shown on social media. If the winner does not accept the terms, a new winner will be chosen. One prize per person and household. Winner must provide email address to claim tickets. No other options will be made available.

    There is one (1) Grand Prize winner, winning: Four (4) tickets to the Tri-City Chili Peppers Cosmic Baseball game in the Elements Financial Club at Victory Field on Saturday, September 6, 2025. Food and beverages are included with tickets. The combined total value is $660.00. May be reported on a 1099 Miscellaneous. If selected winner is not an existing Elements Financial member, please provide a us postal address with submission.

    There is one (1) second-place winner, winning: $50 Prize Money – Deposited by August 29, 2025, to the Elements Financial account provided on the Official Coloring Contest Entry Form.

    There is one (1) third-place winner, winning: $25 Prize Money – Deposited by August 29, 2025, to the Elements Financial account provided on the Official Coloring Contest Entry Form.

    There are seven (7) honorable mention winners, winning: $5 Prize Money– Deposited by August 29, 2025, to the Elements Financial account provided on the Official Coloring Contest Entry Form.

    Elements reserves the right to amend or discontinue the offer at any time. Contest is VOID WHERE PROHIBITED BY LAW. Federally Insured by NCUA

  2. 2 $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.
  3. 3 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
  4. 4 Terms and conditions apply.