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Youth Accounts

Financial responsibility starts at a young age.


Teaching kids about money from a young age will help to build a foundation for future success. With a youth savings account from IU Credit Union, you can plant the seed of financial responsibility and watch it grow with your child.

Children ages 0-12 are eligible for an M3 Money Club account, and teens 13-17 can open an Elements of Money account. Each account option comes with a birthday card, quarterly newsletters, access to an online activity portal, special promotions and events, and more.

When an M3 Money Club member turns 13, they will automatically graduate to an Elements of Money account. Members aged 13-17 may open a checking account with debit card if a parent or guardian has joint ownership of the account.

Give your child a financial head start with a youth account from IU Credit Union!

M3 Money Club

M3 Money Club

  • Youth ages 0-12
  • Special features targeted to young kids

Learn more about M3 Money Club

Elements of Money

Elements of Money

  • Teens ages 13-17
  • Special features targeted to young teens

Learn more about Elements of Money