Build Money Skills that Last
It’s never too early to build smart money habits. Think of it as training wheels for money—giving kids the confidence to balance saving, spending, and planning ahead. At CSE, our youth accounts make learning about money simple, fun, and age-appropriate.
M3 Money Club
Kids' Account
A savings account that makes money fun. With superheroes, games, and activities, kids learn the basics of saving and spending while parents get tools to bring money lessons into everyday life.
Go to M3 Money Club Site Latest M3 Youth NewsletterElements of Money
Teen Account
Designed for teens ready to take charge. This account comes with interactive lessons, contests, and tools to help them set goals and understand how money works in the real world.
Go to Elements of Money Site Latest Elements Teen NewsletterOpening a Youth Account
There are only two requirements for opening a youth account.
- Your child’s social security card or a government issued ID
- A minimum deposit of $5.00
Stop by any of our offices to open a child or teen an account. The minimum balance in order to earn dividends on this account is $25.00. If you already have a regular account setup for your child, just tell us that you want to opt them into a youth account!
Upgrade to a New Youth Account
Do you have an existing Regular Share for your child? If so, you can upgrade them to a youth account by stopping by any CSE office or calling the credit union at 330.452.9801.
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"Boost" Term Share Certificate
CSE members younger than age 18 have a unique savings opportunity in our "Boost" Term Share Certificate. The Boost Certificate is a 12-month certificate to encourage savings and thrift. Funds can be added to the certificate throughout the term. At the end of the 12 months, members can have the funds rolled into their Regular Share account or renew the certificate. (If a member turns 18 during the certificate term and the certificate is renewed, the certificate will renew at our normal 12-month certificate rate.)
While depositing to the certificate is acceptable and encouraged, withdrawals are not permitted with a Boost certificate. If a Boost certificate is closed before maturation, the early withdrawal penalty we will impose will be 90 days of dividends and may reduce the principal of your certificate.
Financial Education for all Ages:
There are three different curriculum's for the Banzai Financial Education online classes. Each curriculum caters to a different age group, and follows a character through a hypothetical scenario that learners may find themselves in some day. This helps individuals follow along and understand the application for each lesson.
Banzai Junior: Ages 8–12
When life hands you lemons, become an entrepreneur! In Banzai Junior, we use a lemonade stand to teach students how to make money, save for big purchases, and even operate a business. Kids get to choose a savings goal and then use their lemonade stand to save enough money by the end of summer.
Some of the other topics covered in Junior include the following:
- IOUs (an introduction to credit)
- Earning money
- Counting currency
- Saving and spending money
- Working with others
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Banzai Teen: Ages 13-18
In Teen, students play to save enough money for college registration. They’ll navigate daily decisions, like getting a job, going out to eat, and even renting an apartment to see how their choices affect their end goal.
Teen covers the following:
- Double-entry accounting
- Renting an apartment
- Buying a car
- Renter’s insurance
- Taxes and withholdings
- Daily spending and saving
- Auto insurance
- Credit
Additional Resources for Teaching Money Skills
- CollegeAdvantage – A 529 plan is a tax-advantaged way to save for future education costs and CollegeAdvantage is the 529 program for Ohio. Consult a tax advisor for additional tax information.
- BiZKID$ – BiZKID$ is a fun, half-hour TV series geared towards teenagers about money and business. Using a blend of entertainment and education, this series shows teens how to make and manage their own money.
- Practical Money Skills for Life – Visa developed Practical Money Skills for Life to help consumers and students of all ages learn the essentials of personal finance. Visa partnered with key advocates and educators to make it understandable and relatable.
- National Endowment for Financial Education (NEFE) – The National Endowment for Financial Education (NEFE) is the leading private nonprofit 501(c)(3) national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life.
- Credit Union Network Financial Literacy – The Credit Union Network for Financial Literacy provides innovative financial literacy programs that engage children and adults while promoting the benefits of credit union membership.