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(925) 939-5626
Routing Number: 321178446

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Youth Month

Celebrate Youth Month - Kaiperm Credit Union

Empowering the next generation of financial leaders with Kaiperm CU

We're excited to celebrate our youngest members as part of Kaiperm family! As a special opportunity, our youth account holders can earn $25 towards their savings.

We’re inviting all kids ages 3 to 12 to participate, where they can display their creativity and will be eligible to earn $25 in their Pup savings account. All they need to do is:
 

More Than a Savings Account - Kaiperm Pup Account (age 0-13)
  • Download our coloring page, print it out, and let their imagination run wild.
  • Once your child has completed their artwork, simply go to the form linked below to fill out the child’s information along with the parent/guardian’s name, phone number.
  • Finally upload the completed coloring page to receive a prize of $25 added to their youth savings account.

 
For our older youth members ages 13 to 17, we’re offering an exciting opportunity to earn some extra cash while also learning valuable financial skills. To help our young members get started on the right foot, we’re offering a 5-step online course that covers essential financial topics such as budgeting, saving, and credit. Once they complete any one of the courses, we’ll add a $25 reward to their Student savings account. All they need to do is:
 

More Than a Savings Account - Kaiperm Student Account (age 13-17)
  • Go to Balance Financial education for Teens & College Students linked below and create a login (https://kaipermcu.balancepro.org/programs/balancetrack-teens)
  • Once your child has completed any one of the courses, simply go to the form linked below to fill out the child’s information along with the parent/guardian’s name, phone number
  • Finally upload their certificate of completion

 

Pup Savings and Student Savings Accounts must be fully funded with the minimum initial $25 Deposit. $25 to be deposited to Pup Savings or Student Savings account within 30 days of form submission. Limit one $25 per Youth Account.

Thrive Rewards Checking

Thrive Rewards Checking

Let’s all THRIVE!
The most rewarding checking account ever.

Utilize an account that pays you cash back and ATM rebates monthly by simply meeting all three easy requirements.

  • Thrive with a super high rate on balances up to $15,000
  • $10 in monthly ATM rebates when monthly requirements are met
  • $25 initial deposit to open
  • No monthly fees or minimum balance requirements
  • Contactless Visa Debit Card
  • Digital wallet capable (Apple Pay, Google Pay, Samsung Pay)
  • Deposit checks in the Kaiperm mobile app
  • Set up account notifications through the Kaiperm mobile app
  • 30,000+ surcharge-free CO-OP ATMs nationwide
Thrive Rewards Checking - Account Fee

 

MEMBER DEPOSITS ARE NOW INSURED UP TO$1,000,000

 

Rate Effective Date: March 1, 2024

TypeInitial DepositAnnual Percentage Yield (APY*)Rate
Thrive Rewards Checking$25When qualifications are met
2.350% on first $15,000
0.250% on balances above $15,000
Non-Qualifying
0.050%
When qualifications are met
2.325% on first $15,000
0.250% on balances above $15,000
Non-Qualifying
0.050%

APY* (Annual Percentage Yield) is subject to change at any time. Dividends are paid monthly based on average daily balance.

 

Ready to reward yourself?
Then open a Thrive Rewards Checking Account today.

OPEN ACCOUNT

 

Not yet a member? Current members

 

FREQUENTLY ASKED QUESTIONS


Reordering checks?

If you have no changes to make, current members can reorder a box of checks by clicking here. If you are ordering checks for the first time, or have changes to make to your existing checks, or need additional assistance for anything else, please contact us at 925-939-5626. Routing number: 321178446.

Youth Accounts

Youth Month KAIPERM CU - Special Offer
More Than a Savings Account

Empowering the next generation of financial leaders with Kaiperm CU

We're excited to celebrate our youngest members as part of Kaiperm family! As a special opportunity, our youth account holders can earn $25 towards their savings.

We’re inviting all kids ages 3 to 12 to participate, where they can display their creativity and will be eligible to earn $25 in their Pup savings account. All they need to do is:
 

More Than a Savings Account - Kaiperm Pup Account (age 0-13)
  • Download our coloring page, print it out, and let their imagination run wild.
  • Once your child has completed their artwork, simply go to the form linked below to fill out the child’s information along with the parent/guardian’s name, phone number.
  • Finally upload the completed coloring page to receive a prize of $25 added to their youth savings account.

 
For our older youth members ages 13 to 17, we’re offering an exciting opportunity to earn some extra cash while also learning valuable financial skills. To help our young members get started on the right foot, we’re offering a 5-step online course that covers essential financial topics such as budgeting, saving, and credit. Once they complete any one of the courses, we’ll add a $25 reward to their Student savings account. All they need to do is:
 

More Than a Savings Account - Kaiperm Student Account (age 13-17)
  • Go to Balance Financial education for Teens & College Students linked below and create a login (https://kaipermcu.balancepro.org/programs/balancetrack-teens)
  • Once your child has completed any one of the courses, simply go to the form linked below to fill out the child’s information along with the parent/guardian’s name, phone number
  • Finally upload their certificate of completion

 

Pup Savings and Student Savings Accounts must be fully funded with the minimum initial $25 Deposit. $25 to be deposited to Pup Savings or Student Savings account within 30 days of form submission. Limit one $25 per Youth Account.

The Youth are the future, and we’re here to nurture them. Kaiperm’s Youth Accounts are designed for our youngest members to learn about money by providing the tools they’ll use as adults – but designed specially for children. Our Pup Account is for children up to age 12, and for our teenage members, our Student Account is designed to help them build healthy financial habits that will carry them into adulthood.
Open your child a Youth Account today!

More Than a Savings Account

More Than a Savings Account - Kaiperm Pup Account (age 0-13)

Kaiperm Pup Account (age 0-12) comes with:

  • Kaiperm drawstring backpack
  • Pup certificates
  • Higher dividend rate
  • No maintenance fees

 

More Than a Savings Account - Kaiperm Student Account (age 13-17)

Kaiperm Student Account (age 13-17) comes with:

  • Kaiperm drawstring backpack
  • VISA Debit Card with customizable spending limits
  • Higher dividend rate
  • No maintenance fees

 

Financial Education for Teens & College Students

More Than a Savings Account - How much you can save in one year

 

Rate Effective Date: July 1, 2023

Compare Our Savings Accounts

Kaiperm Pup Account

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Kaiperm Student Account

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Age qualification0-12 years old113-17 years old2
High-Yield Savings Account50.5% APY4 on the first $10,0003 Minimum Opening Deposit $250.5% APY4 on the first $10,0003 Minimum Opening Deposit $25
High-Yield Certificate Account512-month Pup Certificate earns 7.00% APY, with unlimited add-ons up to $500 maximum balance12-month Student Certificate earns 7.00% APY, with unlimited add-ons up to $1,000 maximum balance
Youth Checking Account5Not AvailableAvailable.
Daily Limits and alerts can also be setup.
Visa® Debit CardNot AvailableFree and accepted at over 23 million locations worldwide
Account ownershipThe minor is the Primary owner of funds and the Joint Owner (ex. parent, guardian, grandparent) controls the accountMinor and Joint Owner share controls
Minimum opening deposit$25$25
Federally insured by the
NCUA
More Than a Savings AccountMore Than a Savings Account

Calculate
your investment

Final Balance

$

Contributions: $    |   Earnings: $

$

%

$

1 Account will convert to Kaiperm Student account on 13th birthday
2 Account will convert to a regular Kaiperm account on 18th birthday
3 Calculated based on average daily balance. Earn 0.5% APY balances up to $10,000 and 0.10% on all other balances
4 APY = Annual Percentage Yield.
5 Limit 1 per minor social security number.
*Based on monthly deposit of $40 on the first of each month and example of calculation based on 5.00% APY for 12 months, compounded monthly.
Dividends are paid monthly based on average daily balance.

This page is in compliance with the Children’s Online Privacy Protection Act (COPPA) and does not collect or retain information from any visitor to the page including children under the age of 13. For more information on The Children’s Online Privacy Protection Act please read Frequently Asked Questions about the Children’s Online Privacy Protection Rule.

 

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