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Member Perks

To join Elements of Money, members simply need to open a share (savings) account with a $5.00 deposit.

As a member, teens have access to a variety of program benefits including:

  • No minimum balance, no monthly charge checking account that allows you to write up to four checks/month at no cost
  • Additional checks are 50 cents each
  • One box of free checks per year
  • ATM card or debit card with no annual fee
  • Elements of Money members can open a Certificate of Deposit (CD) with just $100 – $1000 and earn a higher rate of return than a share account

Interactive Website

Elements of Money's interactive website combines technology, education and social media to make access to the following information easy:

  • Monthly podcasts
  • Quarterly promotions with prizes and incentives such as scholarships, gift cards and music downloads
  • Financial articles
  • Videos
  • Education modules
  • Quizzes


Student Loans

HRCU has partnered with Sallie Mae for to offer our members student loans!