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Children's Share Savings Accounts

First Northern Credit Union’s children’s share savings accounts are perfect for teaching kids of all ages the value of saving and financial responsibility—lessons that they can carry with them throughout their lives.

Moola Moose Club

Moola Moose‚ÄčIdeal first account to teach kids age 12 and younger the importance of savings.

With an opening deposit of only $5.00 and no monthly maintenance fee**, this account functions like a traditional savings account. 

Once a Moola Moose Club member turns 13, they will automatically graduate into a Compass Club account.

Compass Club

  • Compass ClubIdeal for young adults age 13 and up to help teach financial direction and money management.
  • Open with as little as $5.00 and pay no monthly maintenance fee**.
  • Learn smart spending habits with our Visa Everyday Spend Prepaid debit card.
  • When a Compass Club member turns 18, we welcome them to open their first checking account with us! 

No matter which option you choose,  your funds are federally insured by the National Credit Union Administration up to $250,000.


Children's Share Savings Accounts (Moola Moose & Compass Club)
Balance APY*
$25,000 and above 0.20%
$2,500 - $24,999.99 0.15%
$5 - $2,499.99 0.10%

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* APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all share savings accounts accounts are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 9/30/2023.

**Other fees may apply and may reduce earnings. See fee schedule for details.