The Level Up Teen Account from KEMBA is built for teens ready to take control of their money—with a little guidance along the way. With real rewards for smart moves, saving and spending feels like leveling up in your favorite game! And with access to the tools they need to manage their money, it’s a smart first step toward financial independence.
Starting them out where you already bank makes perfect sense—it’s easy, familiar, and convenient! With everything in one place, you can transfer funds, monitor activity, and guide your child’s financial journey without juggling multiple logins or institutions.
Because it’s more than just an account—it’s a financial training ground. The Level Up Teen Account gives your teen hands-on experience with real money while keeping you in the loop. With shared access, you can monitor their spending, coach them through budgeting decisions, and transfer funds easily when needed. It’s a safe, supportive way to build strong money habits early—plus, with rewards for saving, good grades, and graduation, your teen stays motivated to make smart choices every step of the way. Opening an account with KEMBA is a great partnership! We both want what’s best for your young adult. We’ll provide the account, tools and tips while you provide the guidance and coaching to make them financial responsible and ready for the real world!
Level Up members ages 13-17, are eligible for something extra special — our Youth Certificate Special! With a premium interest rate on deposits up to $1,000, this certificate is designed to grow alongside your young adult. It matures on their 18th birthday, just in time to help with big goals like college, a car, and more! It’s a smart way to take control of your money now and build habits that’ll pay off for years to come!
As a parent, you’ll feel great about helping your young adult down the path to financial well-being. While you coach and mentor them, KEMBA has your back! We’re here to offer any assistance you may need.
Speak with a KEMBA representative to set up a Level Up Teen Account or complete the online membership application with the “Open an Account” link at the top of this page.
*Our Youth Certificate offers a special rate, see the Deposit Rates link at the bottom of the page for the current rate. Primary account owner of our Youth Certificate Special must be between the ages of 8 and 18. The certificate automatically matures on the child’s 18th Birthday. Certificate must remain on deposit the full term to receive any dividends. With the exception of the rules, all other certificate rules and disclosures apply.
Members must be 18 or older to apply for KEMBA loan products. All loans are subject to credit approval and underwriting criteria.
