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Kids 10–12

Saving has its Rewards

Help kids learn about saving and spending 

Do your kids get birthday money each year? Maybe they mow lawns or babysit to earn some cash. What do they do with that money? If it sits in a drawer or wallet, they’re missing out on extras. Deposits into a First Source Kirby Kangaroo account earn dividends and prizes. We give them ways to learn about saving vs. spending, and the rewards that come with managing their money well. You’ll find age-appropriate, fun activities, with a focus on the types of lessons they need to learn, and help you start planning for their teen years. 

A great way for kids to start saving is with a Saveroo account. As part of the Kirby Kangaroo Kids Club, they’ll save and learn as they go. Mom, dad, or a legal guardian can get started by opening the child’s account.


Father teaches his son about saving and spending money with an allowance.

Kirby Kangaroo Kids Club

Our Kirby Kangaroo Kids Club is a great way to encourage savings, and as your kids grow, they’ll have access to fun, age-appropriate saving and financial lessons, games, and prizes. Once you’ve opened an account for them, they are automatically part of the club. 


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 passes to the Utica Zoo or gift cards for local treats. 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

We have some great options to help kids with interactive savings games: 

Kids can explore Banzai Junior or Banzai Teen, with fun ways to learn about saving, borrowing, and spending. All you need is a valid email address to get them started.

They can also enjoy 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

Want your savings to work harder?

Check today’s share certificate rates effective November 19, 2019

Term Dividend Rate APY*
6 Months
$500.00 minimum balance to earn dividends
1.00% 1.00%
12 Months
$500.00 minimum balance to earn dividends
2.37% 2.40%
24 Months
$500.00 minimum balance to earn dividends
2.47% 2.50%

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