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706-320-8500
P.O. Box 9818
Columbus, GA 31908

Kinetic Credit Union is headquartered in Columbus and is the 9th largest credit union in the state of Georgia. It is also the 739th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 132 employees and 41,283 members. Kinetic Credit Union has a A+ health rating.

Field of Membership Restrictions

There are two ways to qualify for membership in Kinetic Credit Union. The first is eligibility through Kinetic's community charter. Kinetic Credit Union serves anyone who lives, works, worships, volunteers, or attends school in Muscogee, Chattahoochee, Harris, or Marion counties in Georgia and Lee, Russell, and Macon counties in Alabama. The second is eligibility through an immediate family member. To be eligible to join Kinetic Credit Union through an immediate family member, the family member must be a current member of Kinetic Credit Union at the time you apply. - See Details

Reviews (1)

TIC Customer Since 1985

I love TIC. Their rates are always a fraction better than the competition because they are member owned. Their credit card is one of the cheapest around, with no annual fee and a low interest rate. The only downside is that in this case you don't get what you don't pay for. Try to buy something in the back of Walmart and then go to the front checkout, and you will find your card frozen. Try to call to get your access restored outside short bankers hours five days a week and you will find that the office that can do that for you is closed. No 24/7 service. On the other hand, TIC offers a prepaid credit card in place of Traveler's Checks. Because it is prepaid, beware: no one has a motive to watch out for fraudulent use. However, that works two ways. No one is going to tell you not to use it twice on one visit to a Walmart. Just don't let anyone else get a hold of it, because since no one is watching, anyone with a Money card in hand can use it right up. The only thing that might hang them up is if someone asks for their ID :-) so be SURE to put on the back of the card with a Sharpie marker, ASK4ID!!!



Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Kinetic Credit Union had $1.76 million in non-current loans and owned real-estate with $31.48 million in equity and loan loss allowances on hand to cover it. This gives Kinetic Credit Union a Texas Ratio of 5.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Kinetic Credit Union experienced no significant changes from 4.22% as of December 31, 2012 to 5.60% as of December 31, 2013, resulting in a negative change of 32.74%. This indicates that the balance sheet and financial strength for Kinetic Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Kinetic Credit Union has increased its total deposits by $13.02 million, resulting in 5.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kinetic Credit Union has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kinetic Credit Union has $268.57 million in assets with $31.48 million in equity, resulting in a capitalization level of 11.72%, which is excellent.

Institution Statistics

Overall
NCUA #10866
Year Chartered1956
Employees132
Primary Regulator
Assets and Liabilities
Assets$268.57 million
Loans$185.71 million
Deposits$233.52 million
Equity Capital$29.94 million
Loan Loss Allowance$1.53 million
Unbacked Noncurrent Loans$1.76 million
Real Estate Owned$0
Historic Data - December 2012
Assets$254.27 million
Equity Capital$29.56 million
Loan Loss Allowance$1.19 million
Unbacked Noncurrent Loans$1.76 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.13%
Return on Assets0.19%
Return on Equity1.73%
Interest Income$10.35 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Kinetic Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Kinetic Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%--IRA Savings
0.35%--Roth IRA Savings
0.20%-$7,500Christmas Savings
0.20%-$7,500Tax Savings
0.20%$25-Prime Club Savings
0.10%$25-Regular Savings
0.10%$25-Xtreme Savings
0.10%$25-Greenkids Savings
0.10%--Special Savings

Kinetic Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Money Market Account

Kinetic Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.00%-$5kSmart Rate Checking
0.30%$20k-Rewards Checking

Kinetic Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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
0.75%$500-18 Month Prime Club Monthly CD
0.75%$500-18 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
0.60%$500-18 Month Quarterly CD
0.60%$500-18 Month Monthly CD
0.50%$500-12 Month Quarterly CD
0.50%$500-12 Month Monthly CD
0.30%$500-6 Month Prime Club Monthly CD
0.30%$500-6 Month Prime Club Quarterly CD
0.25%$500-3 Month Prime Club Monthly CD
0.25%$500-3 Month Prime Club Quarterly CD
0.15%$500-6 Month Quarterly CD
0.15%$500-6 Month Monthly CD
0.10%$500-3 Month Quarterly CD
0.10%$500-3 Month Monthly CD

Kinetic Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.65%$500-24 Month IRA (Traditional,Roth)
0.65%$500-30 Month IRA (Traditional,Roth)
0.60%$500-18 Month IRA (Traditional,Roth)
0.50%$500-12 Month IRA (Traditional,Roth)
0.15%$500-6 Month IRA (Traditional,Roth)
0.10%$500-3 Month IRA (Traditional,Roth)
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 Office8801 Macon RdMidland, GA 31820-4117
Branch Office4105 Buena Vista RdColumbus, GA 31907-3859
Branch Office6579 Eckel AveColumbus, GA 31905-3796