Elements of Money^TM - for members ages 11 - 17*

Parents or guardians can customize accounts to help teach their children good money-management habits. All products are co-signed by parents or guardians, allowing them to pick the exact combination that's right for their child's maturity and individual needs. Accounts automatically come with e-Statements.

All memberships include:

Savings account (required).
Quarterly Elements of Money newsletter.
Elements of Money website, which includes a blog and articles written just for teens.
Monthly Elements of Money podcasts, delivered to your teen's desktop or mobile device.
Elements of Money financial-education videos on demand via YouTube.
Elements of Money online communities on Facebook and Twitter.
BalanceTrack "Teens and Money" financial-education tutorial.

Options include:

Youth checking account. Members can qualify for a dividend-earning checking account with no monthly service fee or per-check charges. Just $50 opens an account.
Visa® debit card (which is tied to the member's checking account) or ATM card, both with daily and weekend limits of $200.
Youth Visa® credit card. Good everywhere Visa is accepted, this card usually has a credit limit ranging from $200 to $500. It has no annual fees and a low interest rate of 9.57% APR.
Youth loans of $200 to $1,000 are available for any good reason (like buying a musical instrument or funding a school trip) provided the teen member has a source of income and has been an account holder in good standing for 90 days. Loans are repayable over 12 to 15 months.

*Eligibility for individual products is subject to credit approval.

Earn 7.71% APY* on any amount up to $500 in your savings and checking account! Click here for details.

Youth accounts (Elements of Money, and M3 Money Club) will earn 7.71% APY on any amount up to $500 in their savings account and 7.71% APY on any amount up to $500 in their checking account, when they receive e-Statements. Automated deposits are not required for these accounts. Click here for additional eligibility details.

* APY (Annual Percentage Yield)

Do you have children or grandchildren ages 11 - 17? Help them develop good savings habits that will last a lifetime. Sign them up for membership in School Employees Credit Union!

Join Today!

Complete a Youth Membership Application. Get instant membership approval in an easy paperless process. Your young relative will become one of our member-owners and it's good for life, no matter the child's future career choices.

Download a "NEW" Youth All-Service MasterApp Application (age 17 or younger). print it on legal size paper, complete it, sign it, and mail it to us at "School Employees Credit Union, P.O. Box 576, Seattle, WA 98111-0576."

As a current member, your children and grandchildren who live in Washington are eligible to join, and their membership is good for life, regardless of their future career choices. To have an application mailed to you, please send your request to marketing@secuwa.org.

Our youth accounts give parents age-appropriate tools to help young members learn good financial habits. Membership makes a thoughtful and lasting gift for any youngster since it's good for life, no matter the child's future career choices.

As with all our accounts, youth accounts are accessible to you 24 hours a day via FREE electronic services.

Coming Soon!!