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Kinetic Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.kineticcu.com
706-320-8500
1251 13Th St
Columbus, GA 31901

Kinetic Credit Union is headquartered in Columbus and is the 11th largest credit union in the state of Georgia. It is also the 679th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 130 employees and 45,529 members at 8 locations. Kinetic Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Kinetic Credit Union is open to those who live, work, worship, attend school, or volunteer in the Georgia counties of Chattahoochee, Harris, Marion, or Muscogee, or the Alabama counties of Lee, Macon, or Russell. Immediate family members of a current member also qualify.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #10866
Year Chartered1956
Employees130
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD12.07%
Annual Interest Income$8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$599.9MM$559.3MM
LoansQ1 2025vs Q1 2024$429.6MM$427.4MM
DepositsQ1 2025vs Q1 2024$513.6MM$483.4MM
Equity CapitalQ1 2025vs Q1 2024$82.5MM$71.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.6MM$7.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.9MM$4.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Kinetic Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kinetic Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$5$7.5kChristmas Savings
0.20%$5$7.5kTax Savings
0.20%$25-Prime Club Savings
0.10%$25-Regular Savings
0.10%$25-Xtreme Savers Account
0.10%$5-Greenkids Savings

Kinetic Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$50k*-Money Market Account
OTHER TIERS: 0.15% → $250 - $2.5k | 1.00% → $2.5k - $50k

Kinetic Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0$10kKinetic Checking - Qualifying

Kinetic Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-6 Month CD Special
4.50%$500-Business 6 Month CD Special
4.50%$500-12 Month CD Special
4.50%$500-Business 12 Month CD Special
4.50%$500-24 Month CD Special
4.50%$500-Business 24 Month CD Special
2.50%$500$15k24 Month First time Home buyer Certificate
0.80%$500-24 Month Prime Club Monthly CD
0.80%$500-24 Month Prime Club Quarterly CD
0.80%$500-30 Month Prime Club Monthly CD
0.80%$500-30 Month Prime Club Quarterly CD
0.80%$500-36 Month Prime Club Monthly CD
0.80%$500-36 Month Prime Club Quarterly CD
0.80%$500-48 Month Prime Club Monthly CD
0.80%$500-48 Month Prime Club Quarterly CD
0.65%$500-24 Month Quarterly CD
0.65%$500-30 Month Quarterly CD
0.65%$500-24 Month Monthly CD
0.65%$500-30 Month Monthly CD
0.65%$500-12 Month Prime Club Monthly CD
0.65%$500-12 Month Prime Club Quarterly CD
0.65%$500-18 Month Prime Club Monthly CD
0.65%$500-18 Month Prime Club Quarterly CD
0.65%$500-36 Month Monthly CD
0.65%$500-36 Month Quarterly CD
0.65%$500-48 Month Monthly CD
0.65%$500-48 Month Quarterly CD
0.50%$500-12 Month Quarterly CD
0.50%$500-18 Month Quarterly CD
0.50%$500-12 Month Monthly CD
0.50%$500-18 Month Monthly CD
0.40%$500-6 Month Prime Club Monthly CD
0.40%$500-6 Month Prime Club Quarterly CD
0.30%$500-3 Month Prime Club Monthly CD
0.30%$500-3 Month Prime Club Quarterly CD
0.25%$500-6 Month Quarterly CD
0.25%$500-6 Month Monthly CD
0.15%$500-3 Month Quarterly CD
0.15%$500-3 Month Monthly CD

Kinetic Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-6 Month IRA Special
4.50%$500-12 Month IRA Special
4.50%$500-24 Month IRA Special
0.65%$500-24 Month IRA Quarterly
0.65%$500-30 Month IRA Quarterly
0.65%$500-36 Month IRA Quarterly
0.65%$500-48 Month IRA Quarterly
0.50%$500-12 Month IRA Quarterly
0.50%$500-18 Month IRA Quarterly
0.35%$5-IRA Savings
0.25%$500-6 Month IRA Quarterly
0.15%$500-3 Month IRA Quarterly
Locations


Kinetic Credit Union Locations
Branch Office1807 S Lumpkin Rd Ste DColumbus, GA 31903-2794
Branch Office3722 US Highway 431 NPhenix City, AL 36867
Branch Office1251 13th StColumbus, GA 31901-2227
Branch Office7300 Veterans PkwyColumbus, GA 31909-3198
Branch Office4811 Bankers BlvdColumbus, GA 31909-5359
Branch Office4105 Buena Vista RdColumbus, GA 31907-3859
Branch Office6579 Eckel AveColumbus, GA 31905-3796
Branch Office6516 Kitten Lake DrMidland, GA 31820-3840

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