Youth

Elements of Money

elements of money logoThis account has been designed especially to meet the needs of our 13-to-17-year-old members. Elements of Money has its own mini-site with great contests, articles and podcasts. Review all of the features below.

Elements of Money comes with a host of features including:

  • Savings Account - Open your account with a $5.00 deposit to participate in services and become a member.
  • Mini-site - A great place to learn about earning, budgeting, checking accounts and responsible credit usage* and get in on cool contests!
  • Checking Account & Debit Card - Available for teens 16-17 with parental co-signature
  • Visa - Ages 16-17 can obtain a Visa® credit card up to $250. Parental co-signature required.
  • MyBranch (Online Banking) - Keep tabs on your account online, 24/7 from anywhere you have secure web access.
  • Mobile App - Access your accounts anytime, anywhere. It’s the quickest, easiest way to manage your money.
  • Mobile Deposit - Depositing a check is as easy as snapping a picture with your mobile device. You can deposit checks right into your credit union accounts through the AOCU Mobile App on supported devices.
  • Mobile Wallet Allows you to carry your card information digitally on your phone. Instead of having to use your credit card for purchases, you can easily and securely pay with your smartphone.
  • Popmoney® & ePay Pay monthly bills and just about anyone else from your smartphone.
  • Scholarships We award annual scholarships every April.
*The credit union does not collect, retain, or have any interest in any other linked site that collects or retains information from children under the age of 17. Click for Visa disclosures.

Savings Account Rates
Effective Date: Tuesday, November 13th, 2018
NameDividend RateAnnual Percentage Yield
Primary Savings 0.10% 0.10%
Secondary Savings 0.10% 0.10%
M3 Money Club 0.10% 0.10%
Elements of Money 0.10% 0.10%
eCount Savings 0.10% 0.10%
IRA Savings 0.30% 0.30%
Dividends are paid and compounded quarterly on all savings accounts. Rate may change after the account is opened. APY is accurate as of the above effective date. Fees may reduce earnings. Must maintain a minimum average daily balance of $50.00 in your share savings account to obtain the disclosed annual percentage yield.

Youth Certificates
Effective Date: Tuesday, November 13th, 2018
TermDividend RateAnnual Percentage Yield
6 months 0.25% 0.25%
1 Year 0.50% 0.50%
Dividends are paid and compounded quarterly on all certificate accounts. Youth certificates minimum starting balance $50.00. Must maintain a minimum balance of $50.00 to obtain the disclosed annual percentage yield. Terms and conditions may differ for specials.


Elements of Money brochure
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