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Kids Age 10-14

Saving has its rewards
It’s never too early to learn good financial habits

Do you get birthday money each year? Maybe you mow lawns or babysit to earn some cash. What do you do with that money? If it sits in a drawer or in a wallet you’re losing out on extras!

Deposit into a First Source Kirby Kangaroo account (up to age 12) or Claim Your Youth account (13 – 17 years old) and earn dividends (that’s more money) and prizes!

Don't have an account?

Mom or dad can make an appointment to open one.

Make an Appointment

For every $5 deposit, you’ll earn 1 Kirby Buck. (Direct deposits are not included). Save up your Kirby Bucks for prizes! Limit 5 Kirby Bucks given out per person/per account/per day. Limit of 1 prize redeemed per person/per account/per day.

Current Savings Prizes
Water Bottle (3) Kirby Bucks
1 Utica Zoo Day Pass (4) Kirby Bucks
1 Utica Children's Museum Day Pass (4) Kirby Bucks
$5 Sweet Frog Gift Card (5) Kirby Bucks
$5 Nicky Doodles Gift Card (5) Kirby Bucks
$5 Vinny's Pizza (Herkimer) Gift Card (5) Kirby Bucks
$5 Marquee Cinemas Gift Card (7) Kirby Bucks
2 Games/Shoes King Pin Lanes (10) Kirby Bucks

Up to age 12 enjoy a Saveroo Savings Account

  • $5 Minimum balance
  • Earn dividends
  • Free Piggy Bank or Velcro Wallet at account openingInvesteroo Share Certificate
  • Low $500 minimum balance
  • Terms from 6-24 months
  • Fixed rates

Investeroo Share Certificate

  • Low $500 minimum balance
  • Terms from 6 to 24 months
  • Fixed rates

Ages 13-17 enjoy a Savvy Saver Savings Account

  • $5 minimum balance
  • Earn dividends
  • Free Velcro or mobile wallet at account opening

My Terms Share Certificate

  • Low $500 minimum balance
  • Terms from 6 to 24 months
  • Fixed rates

Money Manager Checking Account (Joint with Parent or Legal Guardian)

  • No minimum balance requirements
  • No monthly service fees
  • Unlimited check and debit card usage
  • Discounts on check orders
  • Online and mobile banking

You can also learn about saving with fun stories and interactive games on our sister websites:

Children's Privacy Policy

Want your savings to work harder?

Check today’s share certificate rates effective March 20, 2019

6 Months

$500.00 minimum balance to earn dividends

1.00% Rate
1.00% APY*

12 Months

$500.00 minimum balance to earn dividends

2.72% Rate
2.76% APY*

24 Months

$500.00 minimum balance to earn dividends

2.86% Rate
2.90% APY*

Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.
Investeroo Share Certificate and My Terms Share Certificate are youth products. Must be 0-12 years old to qualify for Investeroo Share Certificate, and 13-17 years old to qualify for My Terms Share Certificate .
*APY – Annual percentage yield

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