Banking on their future

Through everyday lessons and hands-on experiences at Everence, the Gillette kids are developing money habits that will last a lifetime

Everyday Stewardship |

A family sitting on a picnic table, posing for a photo

The Gillette family of Goshen, Indiana: (L-R) Jasmine, Justin, Micah, Max, Melissa and Miles

Justin and Melissa Gillette are raising their four kids to save as much money as they can before they become independent and leave home. They’ve taught their children, ages 6 to 15, the technical know-how to bank and save for retirement.

“We’re watching the future develop in front of us and we know that’s going to get them such a good life,” said Justin.

A 15-year-old boy mows grass

Miles Gillette, 15, mows a lawn in Goshen as part of his landscaping business.

The Gillettes are members at Everence Federal Credit Union and are fans of the banking options and benefits available for children.

When the kids need to do some banking, Justin drives them to one of the EFCU branches in Goshen, Indiana, and lets them handle their transactions. The kids know the credit union staff and feel comfortable asking questions and requesting help if needed. 

A girl places cut firewood into a sack

Jasmine Gillette stuffs firewood bundles to be sold at stands around the county.

They’re also big fans of the Youth Savings Celebration, a week-long event that makes it fun for kids to learn how to save for the future, share with others, and spend responsibly. During the event, EFCU also gives $5 to kids and teens who deposit at least $15 to their new or existing youth savings accounts.

“I’m thankful for Everence helping us parents as we work to pass economic principles down to our children,” Justin said.

In 2024, EFCU introduced its Youth Rewards Program, which encourages kids to engage in activities that teach them about finances while earning points throughout the year. At the end of the year, kids can trade in their points for prizes.

“Our youth rewards program is a great way to encourage greater interaction with the credit union while reinforcing positive behaviors like savings, referring a friend, volunteering and getting good grades,” said Kristen Heisey, EFCU President and CEO.