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Kids Age 15-17

Learning to manage your money

Chances are you have a part-time job to afford to do the things you want with your friends. You may also be saving for a bigger purchase like a car or college. You’re learning the real value of a dollar and some good spending and saving habits. If you don’t have a First Source account and your hard earned cash is sitting in a drawer or in a wallet you’re losing out on extras!

Deposit into a First Source Claim Your Youth account and earn dividends (that’s more money) and prizes!

Dont' have an account?

Make an appointment with your parents to come in and 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 the prizes listed below. 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

Enjoy Savvy Saver Savings Account

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

My Terms Share Certificate

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

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

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

My Own Loans

  • Visa Platinum Credit Card (Must be 16 years old. Must have an adult co-borrower)
  • Lines available from $500
  • Auto Loan (Must be 16 years old. Must have an adult co-borrower)

You can also learn about saving with interactive games and blogs from other teens on our Claim Your Youth website.


Want your savings to work harder?

Check today’s share certificate rates effective March 25, 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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