Parent. I would be safe first. make sure u cover your A--.
You are still young.
If its the first time then I would make sure it is really what you both want. Once its done you cant take it back.
Also be aware you can go to your local health department and get free Birth Control for you and her and you don't have to tell your parents.
As a parent I would want you both to wait but I also know that most Girls and Boys your age have already done the deed but that doesn't say you have to be the same as others.