KEMBA Indianapolis Credit Union will be closed on Monday, May 25, 2026 to observe Memorial Day.

Start a Chat

Open an Account

MyBranch Online Banking |

Log In

MyBranch Online Banking |

Log In

Start a Chat

Open an Account

Apply for a Loan

Control Your Financial Future!

The teen years are the perfect time to start building real‑world money skills. With the Level Up Teen Account from KEMBA, parents can give their teen or young adult a safe, supportive way to learn how to manage money responsibly.
 
It’s real banking with built‑in guidance—so you stay connected while your teen gains confidence and independence. Smart habits start now and last a lifetime.
Open a Level Up Account
Level Up Teen Account

Built for Teens, Backed by Parents

he Level Up Teen Account is designed to help teens and young adults take charge of their money—while parents stay in the loop. It’s a real account with real responsibility, paired with tools that make learning manageable and mistakes teachable. Teens get hands‑on experience managing their own money, and parents can monitor activity, provide guidance, and step in when needed. It’s a simple, supportive way to prepare your child for financial independence without handing over the reins all at once.
Level Up

Why Parents Choose the Level Up Teen Account

Because learning about money works best when it’s hands‑on. The Level Up Teen Account gives your teen real‑world experience with spending, saving, and budgeting—without throwing them into the deep end. With shared access, you can coach smart decisions, transfer money when needed, and help them build strong habits in a safe environment. Plus, rewards for smart savings, good grades, and milestones like graduation help keep your teen motivated and engaged. It’s more than an account—it’s a partnership that helps your teen build confidence, responsibility, and lifelong financial skills.

Controller image

Perks that Pay Off!

  • No monthly fees with the tools they need
  • Checking with a Visa® Debit Card available
  • $5 reward for saving $100 each month
  • Birthday reward to celebrate their special day
  • Report card rewards in the spring and fall
  • Their own online and mobile banking access
  • Parents can link their online and mobile banking
  • The account grows with them
  • Annual scholarship opportunities for members
  • $50 High School Graduation reward
  • $50 reward for their first KEMBA loan at age 18
  • Nationwide access—even while away at college
  • Next Level education blog series
Next Level Blog Series
KEMBA Scholarship Program

More Ways to Save!

  • Open a Holiday Club for holiday spending
  • Coverdell Education Savings Account for education expenses
  • Open additional accounts for other savings goals
  • Eligible for any of our Certificate of Deposit options with as little as $500

Youth Certificate Special*

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!

Controller image

As a parent, you can feel confident knowing your teen is building strong financial habits with your support and KEMBA’s guidance. Whether they’re just getting started or preparing for what’s next, we’re here to help along the way.

 

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.

Report Card Rewards Request

Submit your information and either a scan or photo of the report card for the child/ teen owner of the KEMBA account. Any payable funds will be deposited to the 01 savings.

This field is for validation purposes and should be left unchanged.
Kids Club or Teen Account Member Name(Required)
Only enter the last 4 digits.
Make sure the report card is submitted in full including the name of the KEMBA account holder.
Max. file size: 50 MB.

Graduation Rewards Request

Submit your information and either a scan or photo of proof of graduation for the owner of the KEMBA account. Any payable funds will be deposited to the 01 savings.

This field is for validation purposes and should be left unchanged.
Teen Account Member Name(Required)
Only enter the last 4 digits.
Make sure the graduation proof is submitted in full including the name of the KEMBA account holder.
Max. file size: 50 MB.

Apply for a Loan

Existing Members

Existing Members- Login to MyBranch online banking to complete the application.

Non Members

Not a member? Use this application to submit your loan request.

All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.