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Youth Accounts

Start building healthy financial habits early.

Choose the youth account that fits your life

Youth Simply Savings

Great if:

you want to save your money and learn healthy financial habits.

Key Features
  • 30 debit* transactions
  • Unlimited deposits
  • Earn tiered interest
  • Free statements

$0 per month


Youth Term Deposits

Great if:

you want to grow your savings with a high interest rate and low minimum investment amount.

Key Features
  • Earn interest
  • Minimum $100 investment
  • Terms from 30 days to 5 years
  • Deposits are 100% guaranteed1

* A debit is a withdrawal from an account by any means including: in-branch, cheques, ATM, point-of-sale purchases (INTERAC®), bill payments, transfers, and pre-authorized debits. BC Credit Union ATMs and other Canadian ATMs on THE EXCHANGE® and ACCULINK® networks will not charge surcharge fees (other ATMs may charge fees).

1The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all BC credit union deposits. Credit Union equityshares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.


Not sure which account to choose?

Don’t hesitate to reach out. We’re just a call, email, or quick branch visit away when you need us.

Check out our youth programs

Exclusive to Northern Savings youngest members!

Become the next WOW Kid and win a $250 savings account.

Elevate your summer at The YES Camp at Cowichan Lake.

Ready to open your account? Make sure to ask for Grizz!

Keep your accounts extra cyber safe

Our digital banking has powerful security in place, but there’s also steps you can take to keep your finances safe online.

Life gets busy and sometimes it can seem more efficient to let someone else take your debit card to the store or log in and make a transaction for you.

But, even if it’s a loved one or someone you trust completely, sharing this information puts your accounts at risk, as they may not be as cautious as you are with these credentials.
Public Wi-Fi doesn’t always have the security and encryption to protect your data. This means you can’t be sure who might see what you’re doing online.

As a result, it’s best to log into your digital banking from the security of your private home network. If you’re out and about, use your cellular data plan or a Virtual Private Network (VPN) instead of Wi-Fi.
It’s important to set a unique, hard to guess password for your digital banking. That way if a password for another website is exposed, your banking will still be secure.

Here are some tips for creating a strong password:
  • Use a mix of lowercase and uppercase letters, numbers, and symbols
  • Never use personal details, like birthdates and children’s names, or common words, like “password”
  • Use a string of words to create a complex phrase that’s at least 8 characters long



The digital landscape is constantly evolving, which is why providers release periodic security patches to address new changes, risks, and vulnerabilities.

So, to keep your systems secure, make sure you update your browsers, devices, and anti-virus software when these patches come out.

Add our enhanced security features

From alerts to 2-Step Verification, our enhanced security features help you manage, monitor, and add extra layers of protection to your digital banking.

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Bank from anywhere

Whether you want to do your banking on the go, off-island, or in-branch, we have the digital tech and friendly staff to make it easy.

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Pay the way you want

With many different ways to pay and transfer, you’ll be able to move your money with ease wherever you need it to go.


Neighbours Helping Neighbours.

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