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Youth Programs

All the products and services you need to support your children as they grow

Youth Programs at Elements

We care about our members, and we especially enjoy working with our youngest ones. That’s why we have promotions, education, and products designed to support, train, and inspire youth at various ages and stages of life. Parents, Elements is here for you, to help you teach the next generation to be smart with their money! Let us know how we can partner with you and the youth in your family. To get started, check out all the options below!

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
  • 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 and more
  • You want a more predictable savings balance

Learn More

Grow Account

Special account just for children under age 18
  • No monthly maintenance
  • 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 ages 10 to 24
  • No minimum balance & no overdraft fees
  • No monthly Maintenance Service Charge
  • Unlimited transactions and check writing
  • 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
  • Minimum draw of $1,000 and aggregate maximum of $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

Promotions for Youth

Youth Coloring Contest

Calling all young artists! Our coloring contest is open to kids ages X-XX. Print this coloring page made just for you (or pick it up at an Elements branch), then show off your creativity and submit your entry by XYZ for a chance to win <insert prize>!

Learn more and download the coloring page

Financial Resources 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.

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.

Getting started with Banzai Junior is easy—just sign up here!

Banzai Teen

Created for users aged 13-18, 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 by signing up here.

How Much Will My Certificate Earn?

Certificate Calculator

Results

after ___ months

Results do not include potential taxes on dividends.