Elements of Money

An interactive program that teaches teens real-world money management skills

Before long, teens move into the adult world, where they'll need to manage expenses, set a budget, maintain a checking account and handle other money matters. The best preparation? Let them learn about and practice 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.

• If teen is not already a member, open a Membership Savings Account with just a $5 deposit.
• Designed for young people ages 13-17 (a parent or guardian age 18 or over must be a joint owner)
• Option to open a Young Adult Checking Account with no minimum balance or monthly fees (includes Visa debit card) 
•  Mobile App with Mobile Check Deposit, Online Banking, card controls and more
• Access to 30,000+ surcharge-free ATMs and 5,000+ Shared Branches
• Ten free ATM transactions per month¹ with a Young Adult Checking Account
• Access to 12-Month Accumulator Share Certificates with low $100 minimum opening deposit and the ability to make future deposits of $25 or more
• College scholarship opportunities
• Educational website with informational articles, podcasts and fun activities
• Quarterly teen newsletter with helpful tips on saving, spending, investing and more

If you work at one of our Select Employer Groups (SEGs), have an immediate family member who is a Market USA FCU member, or make a $5 donation to the Market USA Cares Foundation at account opening,  you can apply online or visit a branch to get started.

Apply Online Today

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¹$1.00 fee after ten transactions per month. ATM surcharges may apply.

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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.