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Elements Teen Club Accounts from TDECU

Elements Teen Club Accounts from TDECU

Checking and savings accounts designed for teens, ages 13 to 17

Looking for savings options for children under 13 years old?

Looking for savings options for children under 13 years old?

A M3 Money Club account from TDECU may be the answer! Our M3 Money Club account is a youth savings account designed for kids ages 4 to 12. Opening the account is simple, membership is free, and parents can easily transfer funds into their child’s account through TDECU Digital Banking.

Get started on developing solid financial habits

How you handle your finances can have a major impact on your life. But, if you are under 18 years old, you have a huge advantage – your age! By saving at a young age and learning smart money habits, you are taking a giant step toward financial independence.

At TDECU, we want to help you take that step forward. When you open an Elements Teen Club account, you gain access to a wide range of financial products and services, including:

An Elements Teen Club Account from TDECU features these benefits:


Monthly Fee


Annual Percentage Yield (APY)


Minimum Balance

Help build future success by fostering strong financial habits now

Designed for teens between the ages of 13 and 17, an Elements Teen Club account teaches valuable skills, such as saving, budgeting, and money management.

Cash deposit icon

Get started with only $5.00

Low minimum deposits to open a savings and checking accounts

CD icon

Learn the value of long‑term investments

Open a certificate of deposit with only $1001

TDECU debit card icon

Receive the right TDECU card for your teen

Your Elements Teen Club membership comes with additional perks

Gain access to financial articles and videos through our exclusive Elements Member website.

Ready to open an Elements Teen Club account?

Please visit us in-person to get started!

1 Not valid on auto-renewing CDs. Minimum amount to open is $100. Other restrictions may apply. A penalty will be imposed for CD withdrawals made before maturity. Refer to TDECU's Member Handbook and Truth in Savings brochures for additional terms and conditions.

2 TDECU ATM Card is available to Members ages 13 and older. TDECU Visa® Debit Card is available to Members ages 13 and older.

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