Skip to main content

Elements of Money

Give your teen a head start on handling real-world finances

Special program combines checking account and online education

They sure grow up fast. Before long, teens move into the adult world, where they'll need to manage expenses, set a budget, use a credit card and handle other money matters. The best preparation? Let them learn about - and practice - these skills while parents can still keep an eye on things. At Market USA, our Elements of Money program combines practical experience with a teen-oriented website.

  • Low minimum opening deposit of $5
  • Designed for young people ages 13-17
  • Option to open a Young Adult Checking account with no minimum balance or monthly fees
  •  Mobile App with Mobile Check Deposit, Online Banking, card controls and more
  • Access to 30,000+ surcharge-free ATMs and 5,000+ Shared Branches
  • Access to 12-Month Accumulator Share Certificates with low $100 minimum opening deposit and the ability to make future deposits of $25 or more (up to a $1,000 maximum balance)
  • College scholarship opportunities
  • Educational website with informational articles, podcasts and fun activities
  • Quarterly teen newsletter with helpful tips on saving, spending, investing and more.

Features & Benefits


Membership Savings Rates
APY Balance APY Dividends Compounded/Credited
$25,000 0.07% Monthly/Monthly
$5,000 0.06% Monthly/Monthly
$2,000 0.05% Monthly/Monthly
$0.01 0.05% Monthly/Monthly

Rate Disclosures


Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.