youth accounts

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

OPEN A YOUTH ACCOUNT                                                      

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

Acorn TREE Savers (0-4 years old) acorn

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
  • Wealth Builder Share Certificates
  • Financial Education for parent and pre-schoolers
  • Sign up for E-Statements
  • Online banking available for joint account holder  

Dogwood TREE Savers (5-12 years old)   dogwood

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
  • Wealth Builder Share Certificate
  • Financial Education for Elementary Students
  • Sign up for E-Statements
  • Online banking available for joint account holder


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
  • 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. 

Financial Fitness Fair - A fun, interactive experience

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 a virtual Financial Fitness Fair. This virtual 'game' is for High School Students who are ready to be financially responsible.

(Once you've entered, go ahead and click on MAKE A COPY, this will open up the virtual link)

If you are a high school student who attended our in-person Aroostook Chapter of Maine Credit Unions Financial Fitness Fair on October 24, 2023, you have the opportunity to apply for a $1000 scholarship! Deadline for submission is December 15, 2023. (The application deadline has passed. Please be on the lookout for more information coming soon on our 2024 Financial Fitness Fair!)

  • 2023 Financial Fitness Fair Scholarship Application


Other RESOURCES for financial education


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