youth accounts

Save, Spend & Share...A lifetime of financial wellness

OPEN A YOUTH ACCOUNT                                                       (Select: Open an Account, Choose OTHER and then select appropriate age group in dropdown menu)

    CLICK HERE for a short video!            

April is National Credit Union Youth & Financial Literacy Month

NorState would like to share the gift of Kindness with our Youth. Below are age appropriate Random Acts of Kindness Calendars for your child to participate and by doing so, be entered into a drawing. April  -  a time when CUs across the country educate young members about financial wellness.

 National Youth Savings Challenge! 

To automatically be entered, simply open a NorState Youth Savings Account or make weekly deposits into your current Youth account throughout the month of April, or CLICK HERE for Challenge information   for more information. In May, the Credit Union National Association (CUNA) will randomly select and give a $1,000 grand prize to a participating credit union. That credit union will then randomly select 10 winners from its entrants. NFCU will notify you if you are a winner. Ends 4.30.2021


An innovative, virtual platform that any teen student, can experience a virtual and unique opportunity to receive valuable budgeting tips.  In partnership with and Maine Credit Union League, we invite you to participate in an

Just Having Fun for ALL Ages

NorState's Youth Accounts

NorState welcomes you to become healthy lifetime savers … with the Family TREE.

Acorn TREE Savers (0-4 years old) 


Welcome to the family TREE! Just like Acorn, you are a seedling on your way to growing and saving. Healthy financial habits start at a young age, and NorState’s Family TREE is here to nurture that growth.

NorState FCU Acorn Youth Saver Advantages:

  • Only $5 to Open account
  • $25 Minimum balance required thereafter
  • Dividends paid monthly, after minimum balance is reached
  • No fees
  • Sign up for E-Statements
  • Online banking available for joint account holder  

Dogwood TREE Savers (5-12 years old) 


Welcome to the family TREE! The Dogwood Youth Account is designed to assist parents and/or guardians in fostering youth about financial and money skills and to encourage youth members to learn how to save and share. If you were an Acorn Saver before, you will be automatically signed up for the next stage of savings.

NorState FCU Dogwood Youth Saver Advantages:


  • $25 minimum balance
  • Dividends paid monthly
  • Free online link to M3 Money Club, Fun & Games for youth 12 & under
  • No fees
  • Sign up for E-Statements
  • Online banking available for joint account holder

CLICK ON LOGO TO ENTER...M3 Money Club logo                     


Financial Education (5-11 year olds)

Spruce TREE Savers (13-17 years old) 

Welcome to the family TREE! The Spruce Teen Savers Account is designed for members 13 through spruce17 years of age. It’s a journey to become financially fit for a future of successful finance.  Dogwood savers are automatically enrolled into the Spruce Club and we will continue to help you grow towards financial independence.

NorState FCU Spruce Teen Saver Advantages:

  • Dividends paid monthly
  • $25 minimum balance required
  • Free online link to Elements of Money Fun & Games for 13-17 year olds
  • Share/IRA Certificates ($1000 minimum balance)
  • Wealth Builder Certificate (build up certificate)
  • Visa Credit Card available ($250 credit limit with co-signer)
  • 24/7 Online  or Mobile Banking (access your account online at
  • Debit Card, 24/7 Online Services, Education Savings Account, Student Loans and more 
  • Spruce Savers have the opportunity to attend the Annual Aroostook Chapter of Credit Union’s Financial Fitness Fair at Loring Job Corp their Junior year in high school. Ask your guidance counselor or credit union for details.

CLICK ON LOGO TO ENTER... Elements of money logo    


Financial Education (12-17 year olds)



free4ME Account (18-25 years old) Young & Free Maine

We have something for you that banks don't, including the free4ME Account -                       the ultimate account for the 18-25 crowd.

  • Two OPPS* reimbursed per year
  • $10.00 Gift Card for NEW account holders
  • Customized Free4ME Visa Debit Card
  • All the tech and access you need
  • Tips & Tricks that give you a head start, by being a NorState free4ME member!
  • For great financial resources visit the Maine's Credit Unions Financial Literacy Blog!


An online version of a Financial Fitness Fair...A Money Management Experience for Teens.
Click on this link -
User Name for NorState FCU:
To access, you must then select a career. Your CU's logo will appear as the sponsor. 

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