Youth Savings

Kirby Kangaroo Club

(For members up to 12 years old)

At a time when more people file for bankruptcy than graduate from college, it’s important to begin teaching fiscal responsibility and money management skills as early as possible. Start your children off right by developing good savings habits. The Kirby Kangaroo Club is free and your child earns Kirby prizes as they learn to save!

  • Club Savings Account—Kirby members earn tokens with every deposit…A $5–$10 deposit earns one token and each additional $10 deposit earns another token up to a maximum of 10 per deposit. Tokens can be redeemed for fun prizes!
  • Special Share Certificates—With $100 minimum deposit, Kirby members earn a rate .25% higher than our regular Share Certificate. A variety of terms (6, 12, 18, 24, 36, 48, 60) are available and additional deposits of $25 or more may be made at any time. (There is a penalty for early withdrawal of funds.)
  • Kirby Kangaroo Website—Access the Club website or stories, games, coloring pages and jokes to entertain and educate.
  • Bi-annual Newsletter—Fun games and financial lessons for all to enjoy are available in every issue.
  • Beyond Kirby—When your child turns 13, their account automatically rolls over into our teen-oriented CU Succeed program.


CU Succeed Club (For members 13–18 years old)

This program teaches teens good saving habits and financial responsibility through education and hands-on experience with a wide variety of cost-effective financial services. Members can remain in the program up to age 23 if they’re full-time college students.

When you open your account, you’ll be automatically entered into a quarterly drawing for a chance to win $25. Plus, every time you make a deposit or sign up for a new service, you could win an additional $50. Get started with these great offerings:

  • Savings Account—Benefit from no service charges and interest paid on average daily balances.
  • Checking Account (joint with parent or guardian)—Featuring no monthly fees, unlimited check writing and no minimum balance requirements, this is a great first-time checking account.
  • VISA® Check Card—This debit card doubles as an ATM card and can be used anywhere VISA is accepted. It works like a credit card, but purchases are debited from your CU Succeed checking account. (Available to members 16–18 years old with joint ownership by parent or guardian.)
  • Share Certificates—With $100 minimum deposit, CU Succeed members earn a rate .25% higher than our regular Share Certificate. A variety of terms (6, 12, 18, 24, 36, 48, 60) are available and additional deposits of $25 or more may be made at any time. (There is a penalty for early withdrawal of funds.)
  • Bi-annual Newsletter—Articles and financial news aimed at teaching money management skills are packed into every issue.
  • Online Banking—Use First Line Online Banking to check your accounts 24/7. In addition, Bill Pay is available to members ages 16–18 free of charge. You can also click here for cool CU Succeed articles.
  • CU Succeed Website—Access cool articles and learn more about finance.
  • College Funding—As a CU Succeed member, you’ll have an opportunity to compete for several scholarships.
  • Good Grade Recognition—Bring your report card to any First Heritage office and receive one entry for every B (80) or above. You’ll have a chance to win a $50 Visa Gift Card every quarter.
  • Access your money surcharge-free at any First Heritage-owned ATM, or at any of 28,000 CO-OP Network ATMs in the United States and Canada. To find available sites, just use the "ATM Locator" at www.co-opatm.org, or call 1-888-SITECOOP.


Everyday Heroes Program

First Heritage recognizes local students through our Everyday Heroes program.  Students are chosen based on community involvement, kindness to others, and tutoring/mentoring fellow students.  Click here for more information.


About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. First Heritage Federal Credit Union’s website and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website.