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:
 

• 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:
 

• 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.

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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: April 1, 2026

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.

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