Youth Accounts

For ages 12 and under: Moola Moose Club savings account

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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For ages 13-18: Compass Club savings account

Minimum opening deposit of only $5.00
No monthly maintenance fee**
Joint ownership for parent/legal guardian
Earn dividends on all balances
Free mobile banking app*** includes Pay A Friend (works 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 (Reloadable) Debit Card (contact us to request)

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For kids of any age: 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
Visa® Debit Card in the teen's name for easy access to their money
Free mobile banking app*** includes Pay A Friend (works like Zelle®)
Parent/legal guardian can view and easily transfer money into the account — great for allowance, gifts, and more!

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Youth 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 6/30/2025. Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

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