Club Details

M3 Money Club is a fun and exciting program designed to provide children ages birth to 12 with a financial education adventure! When your children join M3, they become part of a league of superheroes. Their job is to stop the Evil Dr. Spendit from tricking people into spending money. Kids will learn positive money skills as they embark on the journey of a lifetime!

Once a member of M3, your children will have access to:

  • A kid-engaging website with colorful characters
  • Financial content and quizzes
  • Comics, podcasts and activities
  • And much more!


  • $5 opening balance
  • Monthly dividends
  • Minimum of $100 to open a certificate of deposit
  • Participate in Super Saver Saturday activities

Additonal features:

  • Balances up to $1000.00 will have a greater rate of interest applied.  Balances over $1000 will receive the regular shares interest rate.
  • M3 Members can open a Certificate of Deposit (CD) with just $100.00 (maximum deposit $1000.00) and earn a higher rate of return than a share account.

Membership in the M3 Money Club requires the child's name, social security number and the opening of a $5 share (savings) account for the child at HRCU. For more information call (remove member services and say toll free at 877-895-6840 Member Services at (603) 332-6840 or e-mail