Helping kids learn about money!

M3 Money Club

  • For kids 12 years and younger

  • Minimum deposit of $5

  • Coloring contest

  • Youth Share Certificates

M3 Details

Elements of Money

  • For teens 13 to 17

  • Minimum deposit of $5

  • Savings contests

  • Scholarships and more

Elements Details

Youth Share Certificate

  • Open for a minimum of $50

  • Earn dividends

  • Add money at any time

  • Choose a 6 or 12 month term

Youth CD Details
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M3 Money Club

No fees, but lots of fun. The M3 Money Club, for children aged 12 and younger, offers a real dividend-bearing savings account along with a wide range of fun activities. 

  • Savings Account: Open an account with a $5 deposit and become a member of both the club and the credit union.

  • Coloring Contests: Coloring contest winners receive a $10 gift card and have their picture framed in our Art Gallery. 

  • M3 Quarterly Contest: We make saving fun! Check out our current contest.

  • M3 Site: A fun place to learn about money and saving, this website is loaded with great articles, activities, and games*.

Get Started
Stop by one of our branches to open up an account, or make an appointment to save time.

*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 12. There are no account fees for M3 Money Club (M3) members. Plus, you can watch your savings grow as we pay you dividends on the balance in your account. To open an M3 account, we require that an adult of at least 18 years of age be joint. We also require that the child and adult provide a copy of their social security card. The adult must also provide a copy of a valid photo ID. Please contact us directly if you have any questions.

 

Elements of Money

What do most teenagers like? We'd list pizza, loud music, and technology. We'll let parents deal with the first two, but our Elements of Money account, for teens 13 to 17, offers apps, podcasts, websites, and digital tools that teach financial skills as they engage curious young minds.  

  • Savings Account: Open an account with a $5 deposit and become a member of both the club and the credit union.

  • Mini-site: A great place to learn about earning, budgeting, checking accounts, responsible credit usage, and getting in on cool contests¹.

  • Elements Quarterly Contest: We make saving rewarding! Check out our current contest.

  • Checking Account and Debit Card: Available for teens 13 and up with parental co-signature.

  • Online Banking: Keep tabs on accounts 24/7 from anywhere there's secure web access.

  • Mobile App: Access your accounts anytime, anywhere, with a smartphone or tablet.

  • Mobile Deposit: Depositing a check is as easy as snapping a picture with a mobile device and sending the images to Advantage One using our Mobile App.

  • Digital Wallet: Carry your debit card information digitally on your phone. Instead of having to use your card for purchases, you can just tap your phone against a store's payment terminal.

  • Scholarships: Get money for college with scholarships that Advantage One awards every April.

Get Started
Stop by one of our branches to open up an account, or make an appointment to save time.

1The 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.

 

Youth Share Certificate

Save and earn more with our youth share certificate! What exactly is a certificate? It’s a type of savings account that holds money for a fixed period, such as six months, or one year. In exchange, the credit union pays you in dividends.

 

  • Open for a minimum of $50

  • Earn more dividends than regular savings

  • Add money to it at any time

  • Choose a 6 or 12 month term

  • Special just for youth members

 

Give us a call at (734) 676-7000 to open a youth share certificate.

Dividends? What’s that?
Learn more by watching this short video.

 

Youth Share Certificate Rates

Rates accurate as of

Youth Certificates
Product APY1
6-Month Youth Certificate2 %
12-Month Youth Certificate2 %

1APY = Annual Percentage Yield. APY is accurate as of date above.

2Dividends are paid and compounded quarterly on all certificate accounts. Youth certificates minimum starting balance $50.00. Youth Account certificates only available in 6 and 12 month terms. Terms and conditions may differ for specials. Fees may reduce earnings. Two withdrawals allowed per term - then regular early withdraw penalties apply. The fee we may impose will be applied using the following criteria. Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. Must maintain a minimum balance of $50.00 to obtain the disclosed annual percentage yield. Fees may reduce earnings on the account.

 

M3 Coloring Sheets

Choose to color the M3 Team, Cash, Violet, Savette, Dr. Spendit, and the Me-Mes—and have fun!

Do you talk to your kids about money? Use these tools to spark healthy, fun, and impactful money conversations.