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
  • Online Thrive by 5 link for parents of preschoolers
  • No fees
  • Sign up for E-Statements
  • Online banking available for joint account holder
  • Free online link Thrive by 5 for 0-4 year olds

Visit ThrivebyFive



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 Googolplex 5-Spot  Fun & Games for 5-9 year olds
  • Free online link to Googolplex AJ’s Fun & Games for 10-12 year olds
  • No fees
  • Sign up for E-Statements
  • Online banking available for joint account holder


        VISIT 5SPOT                                      VISIT AJ



Spruce TREE Savers (13-17 years old) 

Welcome to the family TREE! The Spruce Teen Savers Account is designed for members 13 through 17 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 Googolplex C-Note  Fun & Games for 13-17 year olds
  • 1/4% rate reduction on first consumer loan with the completion of Online Financial Fitness Courses*.
  • Share Draft (checking) account with FREE SHARE checks (150 per year)
  • 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 

* Financial Fitness Course consists of Spuce Saver attending the Annual Aroostook Chapter of Credit Union’s Financial Fitness Fair at Loring Job Corp their Junior year in high school. The fair is usually held end of March; two (2) online FoolProof classes your junior year and 2 online FoolProof classes your senior year, with a passing grade of 80% or higher.

If all requirements are met, member will receive a quarter percent rate reduction on their first consumer loan with NFCU. Valid before member reaches their 20th birthday.


        VISIT C-NOTE


Young & Free (18-25 years old)

Why bank when you can be Young & Free (18-25 years old)

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 NorState Young & Free member!

Follow the Young & Free movement at



Googleplex financial education resource for students. Googleplex includes interactive games, videos and colorful stories dealing with money matters and life issues.

FoolProofme offers consumers financial literacy and consumer education tools.

Want to learn more about your credit and how to manage your finances?

 Financial Education for every stage of life.