Kinecta - Personal Banking | All Products (2024)

• Over 85,000 fee-free ATMs4
• Access to 5,800+ shared branches nationwide
• Deposits insured up to $250,000 by the NCUA
• Highly rated mobile app
• Send and receive money with Zelle®
• Secure online banking
• Outstanding service and live chat
• Member benefits

Virtual Appointment Branch APPOINTMENT

• Cash back rewards card⁵

• Earn up to 3% cash back and an annual loyalty bonus.

• Credit building card

• Build or rebuild your credit with a secured card.

• No-fee card

• Enjoy a low interest rate and save on fees.

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Kinecta Community Support

We give back to our communities through volunteerism and financial support, with over $1,200,000 donated in 2022.

Student Scholarships and Teacher Grants

Financial Education

Watch these quick videos to expand your financial knowledge and to help you better manage your money.

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Select Employer Groups (SEG)

^†Membership requirements apply.

¹$225 Bonus. Membership requirements apply. Rates are variable and subject to change after account opening. Fees may reduce earnings. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Limited time offer subject to change without notice. Earn bonus by (1) opening a new personal checking account; (2) receiving direct deposit(s) totaling $500 or more in the new checking account within 60 days of account opening; (3) maintaining a $5,000 average daily balance in checking for the first 90 days of account opening; (4) completing 12 debit card transactions per 30 days for the first 90 days of account opening. Offer not valid for members with an existing checking account or a Kinecta checking account closed within 90 days of new checking account opening. Your bonus will be paid within 30 days of meeting all qualifications described above. Account must be in good standing to receive bonus. One bonus per member. Cannot be combined with other offers. Bonus may be subject to IRS tax reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional.

²Early payday. Access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to two days earlier than the effective payroll payment date.

³Trifecta bundle. Get up to $400 for combining the Trifecta Bundle of accounts with a MyPerks credit card. Learn more.

⁴ATM fees.No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.

⁵Cash back. Earn 3% on gas and 2% on groceries. Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments. Relationship bonus. Paid as a statement credit and is non-transferable. The Relationship Bonus is applied toward Cash Back Rewards earned from the date the account is opened. Relationship Bonus is paid on anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example: Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward of $273.60. For more details about the Cash Back Reward Program, click here.

⁶Home Equity Line of Credit with Intro. Rate. APR = Annual Percentage Rate. Rates are subject to change. Subject to credit approval. Membership requirements apply. Requires minimum initial draw of $25,000 (or $25,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the “index”) plus a margin. This rate may vary with changes in the Prime Rate. As of 09/01/2023 Prime Rate is 8.500%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. Combined loan to value (CLTV) up to 80%. The minimum credit limit and loan amount is $25,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $395 loan processing fee waived if (1) automatic payment plan from a Kinecta account is set up at closing; and (2) not replacing an existing Kinecta home equity loan originated in prior 12 months. Kinecta mortgage loans are offered under Nationwide Multistate Licensing System (NMLS) #407870.

All Zelle^® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. Kinecta IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle^®.