High-five to bigger returns. Now at 5.00% APY*.
Certificates ensure bonus or tax refund dollars go further.
15-month certificate | $100 min. to open | New money required
Certificates ensure bonus or tax refund dollars go further.
15-mo. certificate | $100 min. to open | New money required | Federally insured by NCUA
Certificates ensure bonus or tax refund dollars go further.
15-mo. certificate | $100 min. to open |
New money required | Federally insured by NCUA
Kinecta certificates offer certainty in an uncertain market.
Start earning 5.00% APY* with a 15-month certificate or enjoy the flexibility of a 12-month liquid certificate today!
Bank | Borrow | Insure | Invest
*Annual percentage yield (APY) is accurate as of 2/1/2023. Membership required.
All certificates: The minimum balance to open share certificates and obtain APY is $100. A certificate is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
15-month certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. A penalty is imposed for early withdrawal.
12-month liquid certificate: Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties.
1ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.
Our rates are highly competitive and flexible.
Term
15-month certificate
$100 min. to open. New money required.
12-month liquid certificate
$100 min. to open. Add money any time, withdraw up to 50% of balance daily.
5.00%
3.35%
APY*
Open your certificate in branch or via live video chat with one of our virtual branch agents.
Member Contact Center: 800.854.9846
Open your certificate in branch or via live video chat with one of our virtual branch agents.
What is a certificate?
A certificate is a savings tool that often pays higher rates when compared to a typical savings deposit account. A certificate earns dividends at a fixed rate over a set period of time.
Who is it for?
People who are looking to earn a greater return on their money.
How am I protected?
The NCUA, or National Credit Union Administration, is an independent federal agency that insures deposits made to any federally insured credit union, such as Kinecta, up to $250,000 per share owner.
Is the return guaranteed?
Yes, the stated APY is guaranteed as long as the funds remain in the certificate for its entire term.
There’s a better way to bank.
5,800
SHARED BRANCHES
$6.7B
IN ASSETS
Along with great rates and personalized service, Kinecta offers secure online and mobile banking, as well as access to over 85,000 fee-free ATMs1 nationwide.
Open your certificate in branch or via live video chat with one of our virtual branch agents.
Stop by a branch or book a virtual appointment to meet with a live agent at your convenience.
Member Contact Center: 800.854.9846
Routing # 322278073
©2023 Kinecta Federal Credit Union | All rights reserved | Federally insured by NCUA
Member Contact Center: 800.854.9846
Routing # 322278073
