//PRODUCTS & SERVICES
PERFECT FOR: SAVING FOR A CAR, PAYING FOR COLLEGE OR PLANNING FOR UNEXPECTED EXPENSES.
Open a savings account with $5 and no monthly fee. Up to 6 withdrawals per quarter can be made by ATM or by visiting a branch. This savings account is required to become a member.
PERFECT FOR: CASHING YOUR PAYCHECK, BUYING LUNCH, SHOPPING OR PAYING BILLS.
With 24/7 access, no monthly fee and unlimited withdrawals (with available balance), you’ll be ready for all of life’s expenses. If you're 13-14 years old, a parent or guardian must be added to the checking account.
PERFECT FOR: SAVING MONEY FOR A MAJOR PURCHASE SUCH AS A CAR.
With only $100, open a 12-month certificate and earn more money on your savings.
ATM / VISA CHECK CARD
PERFECT FOR: GETTING CASH, SHOPPING OR CHECKING YOUR BALANCE.
Get cash back at ATMs or buy stuff anywhere you see the Visa® logo while earning Extra Award points redeemable for cash and gift certificates. Don’t like ATM fees? Use your card at non-Family Trust ATMs up to 4 times per month with no fee from Family Trust.1
1) Surcharges from other institutions may apply.
PERFECT FOR: MANAGING YOUR ACCOUNT ON THE GO.
Keep track of your account wherever you go. Check your balance, transfer money, set alerts and budget your money with MyMobile Banking App. Deposit checks easily with mobile check deposit (coming soon). Carrier charges may apply.
//CREDIT AND LOANS
VISA® CREDIT CARD
Our Preferred Rate Visa Credit Card with no annual fee is a great way to build credit and manage unexpected expenses while earning Extra Award points redeemable for cash and gift certificates. If you’re 15-17, you may be eligible with a qualified parent as co-signer.
To help you plan for college expenses not covered by scholarships and federal loans, we offer the Smart Option Student Loan by Sallie Mae® with multiple repayment options and competitive rates.
FIRST-TIME CAR LOAN
If you’re 16 or older, you can apply for a car loan (with a qualified parent as co-signer). We’ll give you the credit union’s lowest car loan rate.2 Find a better rate at another financial institution? We’ll match it. We’ll make getting behind the wheel affordable with our Best Auto Rate Guarantee.
2) Loan must be in Elements™ member's name and membership. The eligible member will receive the credit union’s best rate for an auto loan. If the member qualifies for a lower rate offer from another financial institution, except for dealer or auto manufacturer subsidized rates, we will match the lower rate according to market auto loan rates. Standard underwriting and new and used vehicle loan rates and terms apply.
- Youth Advisory Board. Get involved. Join the Family Trust Y.A.B. and tell us what teens want.
- Scholarships. Look out for our annual Volunteer Scholarship and Tweet for College Scholarship.
- Elements™ Newsletter. Stay current with money hints and tips—delivered to your mailbox.
- Elements™ Website. Visit us online for our monthly podcast, videos, articles, and quizzes.
- The Elements of Money App. Available for iPhone and Android mobile devices.
- Creatacard. Customize your Visa Debit or Credit Card with your favorite photo. Elements members get one free CreataCard per year per card type.