Online Banking

Youth Accounts

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.

Star Savers Club

Youth Savings Account (Ages 12 and Under)

North Star Community Credit Union offers the Star Savers Club to support early financial education and promote responsible savings habits for members ages 12 and under.

Eligible members may open a Star Savers 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

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.

Youth Account Rates

Current Rates effective as of May 19, 2026.

Current Savings Rates
Share Accounts DIVIDEND RATE APY**
Share Account (Savings) 0.20% 0.20%
Star Savers Club (Savings for ages 12 and under) 0.20% 0.20%
Statements are issued on the last day of each month.
Overdraft protection from savings to checking is available up to six times per month at no charge.
Standard credit qualifications may apply.