We're Here to Help (315) 735-8571

Kids Newborn–4

Start Saving Early

It’s never too soon to start saving

Have you started a savings account for your little one yet? Start them off right with a Saveroo account to prepare for their future. Plus they’ll enjoy being a part of our Kirby Kangaroo Kids Club as they grow. Mom, dad, or a legal guardian will need to open the child’s account. Then they are automatically part of the Kirby Kangaroo Club.


Father starts saving and teaching his toddler while she’s young.


Kirby Kangaroo Kids Club

Our Kirby Kangaroo Kids Club is a great way for parents to encourage their kids to save, and give kids through age 12 access to fun, age-appropriate saving and financial lessons, games, and prizes.   


Savings Means Rewards

For every $5 they deposit, they earn 1 Kirby Buck (direct deposits are not included). Kirby Bucks can be saved and redeemed 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.


Saveroo Savings Account

  • $5 minimum balance

  • Earn dividends

  • Free piggy bank or Velcro wallet at account opening


Investeroo Share Certificate

  • Low $500 minimum balance

  • Terms from 6-24 months

  • Fixed rates


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

Help your kids learn about saving with fun stories and interactive games on the Kirby Kangaroo website.

Make an Appointment


Children's Privacy Policy

Don't have an account?

Mom or dad can make an appointment to open one.

Make an Appointment

For kids, saving can be simple and fun. A great way to start is with clear jars, so they can watch their money grow, and learn good financial habits.

— First Source Blog
Full Article

Want your savings to work harder?

Check today’s share certificate rates effective April 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

By submitting your email, you give First Source permission to send you informative and promotional emails, including information on upcoming events, products, and services. You may change your designation at any time in the future. Thank you for letting us help you Live Smarter.