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Checking Accounts

KAIPERM Checking Accounts

Our free checking account is all about you! Take advantage of zero maintenance fees and no minimum balance thresholds or hoops to jump through. It also includes a free Visa debit card (upon approval) for your everyday purchases, including access to more than 5,000 CO-OP Shared Branches and more than 30,000 ATMs across the Country.

Thrive Rewards Checking

Thrive Rewards Checking

Thrive Rewards Checking

Our way of saying thank you for your membership! When you open a Thrive Rewards Checking account, you can qualify monthly for high-yield dividends and ATM rebates. That’s cash back that goes right into your pocket! It’s a great way to earn money on the funds that go into your checking account – and it’s as easy as making your first deposit!

 

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Youth Accounts

More Than a Savings Account
The youth is the future, and we’re here to nurture it. 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 Accounts are for children up to age 12, and for our teenage members, our Student Accounts are designed to help them build healthy financial habits that will carry them into adulthood.

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

 

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

 

Financial Education for Teens & College Students

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

 

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 $500.5% APY4 on the first $10,0003 Minimum Opening Deposit $50
High-Yield Certificate Account512-month Pup Certificate earns 5.00% APY, with unlimited add-ons up to $500 maximum balance12-month Student Certificate earns 5.00% APY, with unlimited add-ons up to $1,000 maximum balance
Youth Checking Account5Not AvailableSame rates as Basic Checking. 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$50$50
Federally insured by the
NCUA
More Than a Savings AccountMore Than a Savings Account

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.

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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