Savings Archives - Kaiperm Credit Union https://www.kaipermcu.org/tag/savings/ Sun, 01 Mar 2026 12:29:42 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://www.kaipermcu.org/wp-content/uploads/2021/01/cropped-icon-32x32.png Savings Archives - Kaiperm Credit Union https://www.kaipermcu.org/tag/savings/ 32 32 IRA’s https://www.kaipermcu.org/accounts/iras/?utm_source=rss&utm_medium=rss&utm_campaign=iras Thu, 09 Jul 2020 11:40:18 +0000 https://www.kaipermcu.org/?page_id=265 Whether you want to travel the world or spend your golden years at home with your family, it takes planning for a comfortable retirement. When you open, move or roll over your IRA with us, […]

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]]> Whether you want to travel the world or spend your golden years at home with your family, it takes planning for a comfortable retirement. When you open, move or roll over your IRA with us, you’re putting your nest egg in a secure place where it will continue to grow tax-free.

Traditional IRA

A Traditional Investment Retirement Account (IRA) is an excellent means of saving for retirement with tax benefits that help you accumulate your savings faster. Your contributions are made up to a specified limit per year and these are good investments before and after you retire.

  • Flexible fixed-rate term options from 12 months to 60 months
  • Earns higher monthly yields, which are compounded monthly
  • Safe and secure investment
  • Free online banking, mobile banking, and telephone banking
  • A minimum opening deposit of $500

Open an IRA

Good to know:

Certain penalties apply for early withdrawal of funds. See fee schedule and disclosure for complete details

Roth IRA

A Roth Investment Retirement Account (IRA) is a tax-advantaged savings vehicle for retirement. The Roth IRA is funded with post-tax contributions and offers you more access and more flexibility to your money. As long as you have met the 5 year holding period, which begins with the tax year for which your first contribution is made, your Roth IRA earnings can be withdrawn tax-free and penalty free for specific distribution reasons.

  • Dividends are paid monthly
  • Safe and Secure Investment
  • Funds may be invested in an IRA Accumulator or IRA Certificate of Deposit
  • Ability to make contributions conveniently with payroll deductions
  • Distribution of funds is not mandatory

Good to know:

  • Minimum opening deposit of $500 for an IRA Certificate of Deposit
  • Applications typically take 24 – 48 hours to process
  • Funds you contribute and earn can be withdrawn tax-free and penalty free, once the 5 year holding period is reached, and if one of the following qualified distributions apply:
    • You become disabled
    • Funds are used for qualified medical expenses
    • Funds are used towards a first-time home purchase, up to $10,000
    • Your death results in a distribution made to the account beneficiary (or your estate)

 

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

Learn More

 

Savings & Checking

Rate Effective Date: April 1, 2026

Type Initial Deposit Annual Percentage Yield (APY) Rate
Roth IRA $10 0.100% 0.100%

 

Certificates

Rate Effective Date: April 1, 2026

Term Minimum Balance Annual Percentage Yield (APY) Rate
3 months* $500 2.750% 2.716%
6 months* $500 2.750% 2.716%
12 months $500 3.500% 3.445%
18 months $500 3.000% 2.960%
24 months $500 2.750% 2.716%
36 months $500 2.750% 2.716%
48 months $500 2.750% 2.716%
60 months $500 2.650% 2.618%
Save to Win Certificate
12 months**		 $25 3.250% 3.203%

 

Calculate
your investment

Final Balance

$

Contributions: $    |   Earnings: $

$

%

$

This calculator is for illustrative purposes only and does not reflect the actual results of specific deposit amounts or any actual investment.

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]]> Share Certificates https://www.kaipermcu.org/accounts/share-certificates/?utm_source=rss&utm_medium=rss&utm_campaign=share-certificates Thu, 09 Jul 2020 11:40:04 +0000 https://www.kaipermcu.org/?page_id=263 If you want to earn a higher interest rate than you get with most savings accounts, a share certificate, also known as “certificate of deposit” are a great way to grow your savings. If you […]

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]]> SHARE CERTIFICATE KAIPERM CU - Special Offer
If you want to earn a higher interest rate than you get with most savings accounts, a share certificate, also known as “certificate of deposit” are a great way to grow your savings. If you don’t need your savings account for a fixed amount of time, keep the money in your account and watch your savings grow! The returns are guaranteed, and they typically earn a better annual percentage yield than a savings or checking account. When you commit to keep your money invested for a certain amount of time (6 to 60 months), you may face a penalty for early withdrawal, but you can earn higher interest if your money is invested for a set amount of time.

  • Minimum deposit of $500
  • Term options from 3 months to 60 months
  • Higher rates than a Savings account
  • Safe and secure investment
  • Watch your money grow

 

Open a certificate account

Not yet a member? Current members

 

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

Learn More

 

Text Us

TEXT

Get your questions answered in real-time. Look for the Chat Icon to appear at the bottom right corner of the page.

Phone Us

CALL

(925) 939-5626
Mon, Tue, Thu, Fri: 8:30 AM – 4:30 PM
Wednesday: 9 AM – 4PM

Email Us

E-MAIL

Please do not send sensitive personal information (SSN, Account Numbers, etc.) over email as it not secure.

 

Certificates

Rate Effective Date: April 1, 2026

Term Minimum Balance Annual Percentage Yield (APY) Rate
3 months* $500 2.750% 2.716%
6 months* $500 2.750% 2.716%
12 months $500 3.500% 3.445%
18 months $500 3.000% 2.960%
24 months $500 2.750% 2.716%
36 months $500 2.750% 2.716%
48 months $500 2.750% 2.716%
60 months $500 2.650% 2.618%
Save to Win Certificate
12 months**		 $25 3.250% 3.203%

 

Calculate
your investment

Final Balance

$

Contributions: $    |   Earnings: $

$

%

This calculator is for illustrative purposes only and does not reflect the actual results of specific deposit amounts or any actual investment.


*Not available for IRA Share Certificates
+ Personal Accounts only. +See Provision 8 for details about the Thrive Rewards Checking account
**See Provision 9 for Save to Win details or visit us online at: Save to Win

 

Open a certificate account

 

Not yet a member? Current members

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]]> Saving https://www.kaipermcu.org/accounts/saving/?utm_source=rss&utm_medium=rss&utm_campaign=saving Thu, 09 Jul 2020 11:39:21 +0000 https://www.kaipermcu.org/?page_id=259 When you watch your savings grow, you’re watching your financial future. With special features to help you meet your unique goals even faster, such as higher interest rates, no monthly fees, and low opening deposits, […]

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]]> When you watch your savings grow, you’re watching your financial future. With special features to help you meet your unique goals even faster, such as higher interest rates, no monthly fees, and low opening deposits, it’s never been easier to lock down your financial goals and plan for your future.

  • $25 minimum opening deposit
  • Earn monthly dividends
  • No monthly maintenance fees or minimum balance fees
  • Up to 6 withdrawals a month
  • Set up automatic payroll deduction
  • Funds can be used for overdraft protection to cover transactions in your checking account

 
Open a Saving Account
 

My Goal Savings Accounts

We like to think of them as “digital envelopes”. Whether your goal is to save up for a dream vacation save for your holiday shopping list, or to have a “Treat-yourself-and-not-feel-guilty-about-it” fund, a secondary savings account will make budgeting for any occasion easier than ever! Create as many additional “Club” Savings Accounts as you need – and you can name them whatever you want!

  • $25 minimum opening deposit per secondary Savings Account
  • Save for any goal: car, wedding, vacation, etc
  • Earn monthly dividends
  • Withdraw your funds at any time
  • No monthly maintenance fees or minimum balance fees
  • Automatic payroll deduction transfers available

 

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

Learn More

 

Savings & Checking

Rate Effective Date: April 1, 2026

Type Initial Deposit Annual Percentage Yield (APY) Rate
Dividend Savings $25 0.100% 0.100%
Dividend Club $25 0.100% 0.100%
Thrive Rewards Checking $25 When 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%
Roth IRA $10 0.100% 0.100%
Coverdell Educational
Savings Accumulator		 $10 0.100% 0.100%
Pup High Yield Savings &
Student High Yield Savings		 $25 $50 – $10,000: 0.500%
$10,000.01 and above: 0.50%-0.10%		 $50 – $10,000: 0.500%
$10,000.01 and above: 0.50%-0.10%
Student Checking $25 0.050% 0.050%
12-month Pup Certificate &
Student Certificate
$500 & $1,000 maximum, respectively		 $25 7.000% 6.785%

 

Calculate
your investment

Final Balance

$

Contributions: $    |   Earnings: $

$

%

$

This calculator is for illustrative purposes only and does not reflect the actual results of specific deposit amounts or any actual investment.

OPEN ACCOUNT

Not yet a member? Current members

 

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