Kinecta certificates offer certainty in an uncertain market.

There’s a better way to bank.

Along with great rates and personalized service, Kinecta offers secure online and mobile banking, as well as access to over 85,000 fee-free ATMs³ nationwide.

These accolades speak for themselves.

Start earning with an 18-month certificate or 12-month liquid certificate today!

Bank | Borrow | Insure | Invest

*Annual percentage yields (APY) are accurate as of 10/24/22.

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.

¹18-month certificate: New money required.

²12-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.

³ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.

Membership required. Federally insured by NCUA.

Earn dividends on your money while it remains available if you need it.

Our rates are highly competitive.