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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 and toddler reading a book together

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 like a plush Kirby Kangaroo or passes to the Utica Zoo. 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 prize details are listed below.

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
$5 Treehouse Reading & Art Center Gift Certificate (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 Bonomo’s Gift Card Plus 1 Free Small Cone Coupon (7) Kirby Bucks
$5 Marquee Cinemas Gift Card (7) Kirby Bucks
Plush Kirby Kangaroo (8) 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.

We’re here to support your efforts to help your kids Save Smarter and Live Smarter. Get started with a youth savings account below or call 315-735-8571 to discuss any questions you may have.

Get Started

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Let’s Get Started

We look forward to helping you.


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 January 17, 2021

Term Dividend Rate APY*
6 Months
$500.00 minimum balance to earn dividends
0.40% 0.40%
12 Months
$500.00 minimum balance to earn dividends
0.75% 0.75%
24 Months
$500.00 minimum balance to earn dividends
0.80% 0.80%

Share rates and yields are subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings.
*APY – Annual percentage yield