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Youth Savings Accounts

Savings from Newborn to 17

It’s never too early to start to save for your child. Whether you start at birth or have them join you in the account opening process when they’re a little older, understanding that a credit union is a safe place to hold their money and allow them to earn dividends, is an important concept at any age.


Six pre-teen friends piggybacking in a park.


Instill Good Savings Habits To Last A Lifetime

Creating a path to good savings habits for your child at a young age can teach them patience and the importance of saving their money. Over time, they can learn how to deposit funds into their account for future expenses. They can also see how their savings add up to help them afford the things that matter to them. Not sure where to begin? We are happy to help you get started!

Ages 0-4

It’s a great idea to start saving for your child’s future, even before they are born. Our team at First Source can help parents set savings goals for their child’s future. As kids grow and their needs change, we can help you adapt your savings plan. Opening an account automatically makes them a part of the Kirby Kangaroo Club. Through the Club, we offer savings prizes, educational programs, and tools to help your child get excited about saving. 


Ages 5-12

As your child grows, our program encourages them to get involved and be eager to save as they get rewarded along the way. Kids earn Kirby Bucks as they make deposits into their account which they can accumulate and turn in for prizes. They also earn dividends so they can watch their money grow. School-aged kids beginning with 8 years old can play our interactive Banzai games. These are fun, age-appropriate, educational savings goal games. See if they can beat the game and reach their goal!

When your child begins earning their own money, through allowance, babysitting, lawn mowing, etc. they’ll really begin to appreciate a safe place to keep their money while they earn rewards and dividends.  


Ages 13-17

As your teen gets a job with a paycheck, starts thinking about a car and college, we help them navigate their new financial needs and responsibilities. If they already had a Kirby Kanagoo Account they will automatically transition into a CU Succeed/Claim Your Youth Account when they turn 13. Along with this savings account, when they turn 16 they can open a Money Manager Checking Account jointly with a parent or legal guardian, as well as apply for a low-rate auto loan or credit card made just for teens with an adult co-borrower.


All Ages (Newborn-17)

At any age you can open a youth term share certificate. This is a great way to earn your child higher dividends on money they don’t need access to for an extended period of time.


Free Educational Programs and Lessons

Using age-appropriate stories, games, incentives, benefits, and entertaining activities, children learn about the importance and functionality of savings and finance.

Fun tools designed to help include:

  • Quarterly newsletters with tips and activities

  • Web-based stories, games, coloring pages, and jokes

  • Special activities 

  • Earning dividends and savings prizes

  • And more!


Current Savings Prizes
Light up Slap Bracelet (2) Kirby Bucks
Water Bottle (3) Kirby Bucks
1 Utica Zoo Day Pass (4) Kirby Bucks
$5 Treehouse Reading & Art Center Gift Certificate (4) Kirby Bucks
Coupon for 1 Slice and a 12 oz. Fountain Soda Vinny's Pizza (Herkimer) (4) Kirby Bucks
$5 Nicky Doodles Gift Card (5) Kirby Bucks
$5 Sweet Frog 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

1 Kirby Buck earned for every $5 deposited. Limit of 5 Kirby Bucks dispersed per account/per day.
1 Kirby Prize redeemed per account/per day.


Live Smarter

We’re here to support your efforts to help your kids Save Smarter. Call 315-735-8571 to discuss any questions you may have or make an appointment with one of our friendly and knowledgeable representatives today. Simply click on the button below, select the “New Accounts” service from the menu and choose “Youth Account.”

Let’s Get Started

Click below to make an appointment. Select “New Accounts” and choose “Youth Account.”

Make an Appointment

Want your savings to work harder?

Check today’s share certificate rates effective August 1, 2021

Term Dividend Rate APY*
6 Months
$500.00 minimum balance to earn dividends
0.35% 0.35%
12 Months
$500.00 minimum balance to earn dividends
0.70% 0.70%
24 Months
$500.00 minimum balance to earn dividends
0.75% 0.75%

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