//PRODUCTS & SERVICES

As a teen, you probably don’t want the same savings account your six year old brother or sister has. You want something cool. Something you can earn rewards YOU want like movie passes and gift cards! With our Elements Teen Program, Community Star Credit Union has all sorts of stuff designed with you in mind.

You want things to be easy, so that’s what we did! You'll automatically receive E-statements when you provide us with an e-mail address (which means you'll receive your statements electronically rather than printed on paper). You also get free membership in our Elements of Money financial-education program which includes the Elements of Money quarterly newsletter, website, and online communities on Facebook, YouTube, and Twitter…and everything’s FREE!

We have several special Elements Teen accounts created just for our teen members like:

• ELEMENTS TEEN SAVINGS ACCOUNT
  Perfect for: saving for a school trip, paying for college or planning for unexpected expenses.
  Start your membership by opening a Community Star Elements Teen Savings Account for just $5! This account will put you on the right track to managing your money and finances the right way. Enjoy great features such as no monthly fee, no minimum balance required and more! You must have a Savings Account to have an Elements Checking or CD.
   
• FREE ELEMENTS TEEN CHECKING ACCOUNT (FOR AGES 16+)¹
  Perfect for: cashing your paycheck, buying lunch, shopping or paying bills.
  Now that you are on the path to building a brighter financial future, why stop with just a savings account? Take it a step further with our Community Star Elements Teen Checking Account. A $25 opening deposit puts YOU in charge of your very own checking account! This checking account was designed with our teen members in mind and is overflowing with the products you need like a: Visa Debit Card, FREE It’s Me 247 Online Banking, CU*TALK Telephone Banking, E-statements, and even free ATM withdrawals!²
  
  
• VISA DEBIT/ATM CARD (AVAILABLE WITH CHECKING ACCOUNT)¹⁺³
  Perfect for: Getting quick cash, depositing money, shopping, paying bills and more!
  Now you can have your very own Visa Debit Card with your name on it! You can use the funds in your Elements Checking Account to shop anywhere Visa is accepted or use the card as an ATM card (with access to over 20,000 surcharge-free ATM locations throughout the U.S. and abroad.)
   
• IT’S ME 247 ONLINE BANKING
  Perfect for: managing your account online.
  Keep track of your account around the clock from the comfort of your own computer! You get 100% FREE access to view your transactions, see what items have cleared your account, make transfers, check your balance, sign up for FREE E-statements and more! If your parents have an account with us, they can even transfer money into your account!
   
• YOUTH GROWTH CD
  Perfect for: saving money for a major purchase or your first long-term investment.
  Open your very own youth CD available with a low minimum deposit of $200! We can help you get started with a secure, fixed 12 month rate. A Growth CD lets you keep adding to it, so you continue getting the most from your money, at a higher interest rate than a normal savings. Make minimum deposits of $25 as often as you like.⁴
   
• SALLIE MAE STUDENT LOANS
  To help you plan for college expenses, we offer Sallie Mae Student Loans to encourage responsible borrowing and repayment behaviors that will help you! It’s the ideal solution for those expenses not covered by federal loans and you can apply and be approved in less than 20 minutes!
   
• ELEMENTS™ WEBSITE
  Visit us online for our monthly financial podcast, videos, articles, quizzes and blogs. Plus, check online frequently for the chance to participate in contests with great prizes!
   
• ELEMENTS™ NEWSLETTER
  Stay current with our quarterly Elements Newsletter! Download your copy from the Elements website. Get plenty of money hints and tips!
   
• SAVINGS INCENTIVE PROGRAM
  Earn incentive stamps on your membership card that are redeemable for great prizes such as movie passes, gift cards and other cool swag!
   
• DIRECT DEPOSIT
  Save time and have your paycheck electronically deposited into your account. That way your money’s right there, right away.
   
• CU*TALK TELEPHONE BANKING
  Call 440-365-6466 for 24/7 account information.

1  Subject to approval. Requires a parent or guardian as a cosigner.
2  Seven free monthly. Fees apply thereafter. Refer to fee schedule for details. Machine fees may apply.
3  Call the Credit Union for specific requirements and details.
4  Early withdrawal penalties may apply.

Become a member today! Call 440-365-7342, stop by one of our offices, or visit us online at www.CommStar.org.