M3 Money Club is not insured by the NCUA or any other government agency, is not Credit Union guaranteed, is not a deposit, and is not a condition to any banking service or activity. M3 Money Club is a financial information and content resource for children provided by BALANCE. **Members under 18 must have a parent or legal guardian as a joint owner on SkyOne FCU products and services. Restrictions apply; email memberservice@SkyOne.org for complete details. ***Standard data usage rates may apply. For details, please contact your phone service carrier.