Moo-La Club Savings
Moo-La Club Savings Account (Ages 6-12, formerly Adventure Savers)
Our fun, engaging account for elementary and middle school-aged children that makes saving exciting and builds early financial habits. At this age, kids are ready to take ownership of their money—and the Moo-La Club gives them the tools to do it. Whether they're saving for a new bike, the latest video game, or their first big goal, this account helps them see the connection between saving today and getting what they want tomorrow. They'll learn to track their progress, make decisions about their money, and experience the pride that comes with reaching a goal they worked toward. With features designed to keep saving fun and parents involved every step of the way, the Moo-La Club turns everyday deposits into valuable life lessons that stick.
Eligibility & Requirements:
- Maintaining a $1 minimum balance will ensure no service fees.
- Your child should be aged 6 - 12, with a person over the age of 18 as a joint account holder.
- The account requires a completed membership application in the child’s name, a valid ID1, a one-time $5 Membership fee and a minimum opening deposit of $1.
Empower kids with financial literacy—the fun way!
Introducing Moo-La Club Savings: where learning meets fun.
Our fun, engaging Moo-La Club account is designed for elementary and middle school-aged children that makes saving exciting and builds early financial habits.
- No direct deposit requirement
- Coin processing fee waived (at select locations)
- Dividend bearing account
- Balances of $1 and above enjoy a 0.05% APY2
A journey of growth:
As your child gets older, their account matures too. Upon turning 13, the Moo-La Club Savings Account transitions into a Grow Forward Savings Account. This account is a teen-focused account that helps young people – aged 13 - 17 – develop money management skills as they gain more independence.
Savings Covered by the NCUA
At Valley First, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about Share Insurance Coverage provided by the National Credit Union Administration.
1 Applicants will be screened with a Risk Management system validating: Identity Verification; Know Your Member Checks and Fraud/AML Information. Proper identification such as a State issued ID or Passport is required for Joint account holder. Minor can be identified by State ID or an alternative ID such as Birth Certificate, Social Security Card or Official school records.
2 APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11.01.2026. This is a fixed rate account. Rates, terms and conditions are subject to change at any time after account opening, as determined by the credit union. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. You must maintain a minimum balance of $1 to obtain the Annual Percentage Yield stated. See All Rates for complete details.