First Northern Credit Union’s youth accounts are perfect for teaching kids the value of saving and financial responsibility — lessons that they can carry with them throughout their lives. We welcome kids of all ages to get started saving with us!
Ages 12 and under: Moola Moose Club savings account
Teach your kids the importance of saving!
- Minimum opening deposit of only $5.00
- No monthly maintenance fee
- Joint ownership for parent/legal guardian
- Earn dividends on all balances
- Parent/legal guardian can view and easily transfer money into the child's account — great for allowance, gifts, and more!
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Ages 13-18: Compass Club savings account
Helps your teen learn financial independence and money management!
- Minimum opening deposit of only $5.00
- No monthly maintenance fee
- Joint ownership for parent/legal guardian
- Earn dividends on all balances
- Free FNCUMobile app access which includes Pay A Friend (works just like Zelle!)
- Parent/legal guardian can view and easily transfer money into the teen's account — great for allowance, gifts, and more!
- Compass Club members are eligible for a Prepaid Debit Card (contact us to request)
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Ages 13+ are welcome to open a checking account!
Young adults age 13+ are welcome to open a Value Now checking account!
- Minimum opening deposit of only $5.00
- No monthly maintenance fee**
- Joint ownership for parent/legal guardian required if under age 18
- Free Visa® debit card in the teen's name for easy access to their money, on the go
- Free FNCUMobile app access which includes Pay A Friend (works just like Zelle!)
- Parent/legal guardian can view and easily transfer money into the teen's account — great for allowance, gifts, and more!
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Youth Savings Accounts
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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