Start Smart. Save Strong.
At North Star Community Credit Union, we believe it’s never too early to build good money habits. Our Youth Accounts are designed to help kids and teens learn the value of saving, spending responsibly, and planning for the future—all with the support of a credit union that grows with them.
Kirby Kangaroo Club
Youth Savings Account (Ages 12 and Under)
North Star Community Credit Union offers the Kirby Kangaroo Club to support early financial education and promote responsible savings habits for members ages 12 and under.
Eligible members may open a Kirby Kangaroo Club Share Savings Account with just a $5 deposit. Here’s what the account includes:
Earn dividends with a minimum daily balance of $25
Dividends are compounded and paid monthly
FREE piggy bank with $25 opening deposit
Personalized membership card and savings register
Access to fun, educational content through the Kirby Kangaroo Club website
Birthday recognition and annual member events (as offered by the credit union)
Additionally, youth members can open a Youth Share Certificate with:
A minimum investment of $100
A 12-month term
Subject to applicable certificate terms and conditions
Bright Star
Share Draft Account (Ages 13–24)
The Bright Star Share Draft Account is designed specifically for young members, making it easier to manage your money with convenient tools and no unnecessary fees.
Account Features
No minimum balance requirement for the share draft (checking) account
No monthly service fees
Free ATM or debit card
First order of checks is free
Access to Online and Mobile Banking
Additional services available: Mastercard® Credit Card, loans, and more
With no monthly fees and access to a full suite of financial services through CU Rising, the Bright Star Account offers an affordable way to build financial independence and manage everyday spending.
CU Rising
Teens
Grow with Us: The Future of Financial Wellness
Empower your financial independence by learning how to understand and manage your own finances. The CU Rising website is for teen savers (and their parents!) to learn good financial habits now to lead to a brighter financial future. The program includes access to digital financial education tools, budgeting tips, and other resources available through the CU Rising website.
Parental or legal guardian consent may be required to open Youth Accounts. Contact North Star Community Credit Union for full eligibility details and account disclosures.
Youth Account Rates
Current Rates effective as of October 14, 2025.
| Share Accounts | DIVIDEND RATE | APY** |
|---|---|---|
| Share Account (Savings) | 0.20% | 0.20% |
| Kirby Kangaroo® Club (Savings for ages 12 and under) | 0.20% | 0.20% |
Overdraft protection from savings to checking is available up to six times per month at no charge.
Standard credit qualifications may apply.