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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

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

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

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

Rate Effective Date: Jan 1, 2023

Compare Our Savings Accounts	Kaiperm Pup Account Open now	Kaiperm Student Account Open now
Age qualification	0-12 years old1	13-17 years old2
High-Yield Savings Account5	0.5% APY4 on the first $10,0003 Minimum Opening Deposit $25	0.5% APY4 on the first $10,0003 Minimum Opening Deposit $25
High-Yield Certificate Account5	12-month Pup Certificate earns 7.00% APY, with unlimited add-ons up to $500 maximum balance	12-month Student Certificate earns 7.00% APY, with unlimited add-ons up to $1,000 maximum balance
Youth Checking Account5	Not Available	Available. Daily Limits and alerts can also be setup.
Visa® Debit Card	Not Available	Free and accepted at over 23 million locations worldwide
Account ownership	The minor is the Primary owner of funds and the Joint Owner (ex. parent, guardian, grandparent) controls the account	Minor and Joint Owner share controls
Minimum opening deposit	$25	$25
Federally insured by the NCUA

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.

Open now

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

Rate Effective Date: Dec 16, 2022

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

OPEN ACCOUNT

Not yet a member? Current members

FREQUENTLY ASKED QUESTIONS

• What if I don’t meet all three requirements for the month?

  You will only earn 0.05% APY on your average monthly balance and you will not be given any out of network ATM Rebates at the end of the month

• Does it count as a purchase if I give a company my checking account information and routing number?

  No, this would be considered an ACH or Electronic Transfer of funds. Not a debit card point of sale transaction.

• I lost my debit card how do I request a new one and is there a charge for ordering another debit card?

  Please email us at info@kaipermcu.org or simply text us during normal business hours to request a new debit card. The first debit card replacement is free and anything after is $10/per new debit card.

• How do I transfer money out of my Thrive Checking Account?

  Please utilize the Bill Pay/Pay a person feature when logged into your online banking and mobile banking.

• Can I have multiple direct deposits to fulfill the at least $250 requirement monthly

  Yes, you can have multiple direct deposits fulfill the requirement of at least $250 monthly.

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.