Kinecta Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.50% | 5-year CD | 5 Year CD 3.00% - Barclays 60 Month Online CD |
| 2.50% | 5-year IRA | 5 Year IRA (Traditional, Roth) 1.94% - National Average |
| 2.00% | 2-year CD | 2 Year Karma Share Certificate |
From the Bank
Welcome, we’ve been expecting you. We're into providing delightful service to our members at every turn. As a member of Kinecta you’re a member-owner. That’s right you own the place – we don’t have investors. So, you can and should expect benefits that only Kinecta Federal Credit Union can provide.
Our team works hard to deliver a financial experience unlike any other – we’re not a bank and we don’t act like one. We started as Hughes Aircraft Employees Federal Credit Union in 1940 and we’ve been innovating ever since. That means higher rates of return on savings accounts, lower rates on loans and credit cards and our dedication to creating a life-long partnership with you.
When our team is not in the member service center you can find employees participating in several local events, fundraisers and volunteer opportunities. We believe that we can’t give enough back to our communities.
You can become a Kinecta member – it’s easy. www.kinecta.org/membership. By the way, did we mention we are not-for-profit?
In addition to the awesome savings rates, we offer so much more.
- Access to thousands of surcharge-free ATMs
- Online and mobile banking
- Exclusive discounts from local businesses
- And more!
And once you’re a member get ready to Expect the Unexpected!
Federally Insured by NCUA.
Field of Membership Restrictions
Membership in Kinecta Federal Credit Union is open to any member of the Consumers Cooperative Society of Santa Monica (requires a $10 membership fee). Membership is also open to those who live, work, worship or attend school in select zip codes of Anaheim, Lancaster, Rialto, Santa Ana and the Greater Los Angeles Area, or employees of one of the over 200 local select employer groups.
See current membership details
Related Posts
9/24 - Kinecta 30-Month And 15-Month Certificate Specials - Socal
6/2 - Kinecta FCU Adds 30-Month CD and Jumbo CD
6/1 - 2.00% APY 30-Month Jumbo CD
6/25 - Kinecta FCU Has Competitive 5-Year CD And Jumbo CD
5/22/15 - Kinecta FCU Offering 1.25% On 15-Month CD
10/14/14 - Bait And Switch?
9/30/14 - 2.00% 2-Year Jumbo CD
9/18/14 - Highly Competitive 2-Year Jumbo CD At Kinecta Federal Credit Union
1/8/13 - Special 13-Month CD Rate In Southern California
10/23/07 - 5.40% 12-Month CD at a California CU - Open To All (Kinecta)
1/20/07 - 5.55% 15-Month CD at a California CU - Open To All (Kinecta)
6/4/06 - 5.55% 15-Month CD at a California CU (open to all)
2/6/06 - 5.05% 13-Month Bump-Up CD at a CA CU (Open to All)
Choose A Credit Union
I have been with Kinecta since it was Hughes and they have always had amazing people helping me. Their rates are better than any bank in town so its a one-stop shop.
Gr8 Credit Union
As credit unions go, this one is the BEST!
The service is fantastic at all the branches I've visited. I joined four years ago and couldn't be happier. The best products are a) checking account were the fee is waived just by using your Kinecta credit card, b) a credit card rate that is awesome (I didn't know that credit card rates this low existed), and c) the CD or Share Certificate rates that are always excellent. But I guess what I like best is that all the employees are glad to see me when I visit and they always remember my name (at my home branch). I would definitely refer this credit union to friend.
Thanks!
I must say I have a very pleasant experience with Kinecta Federal Credit Union. Maybe it is because they have been in business since 1940, the ease and customer service they provide is great and consistent! I had to go in twice, one was for a auto loan and the other was credit card services. The representative was very friendly, knowledgeable and most importantly didn't drag the process like other places. The interest rate is industry standard and I will definitely be coming here again!
Kinecta Review
It started with me and my wife getting a car loan and then all the other things available were very attractive like the higher interest rate on CD's and Money Market accounts.So we decided to get some other things with them too and are mostly happy with them. However their website is very difficult to navigate! I am not a computer techie so to speak but I am not a complete idiot either and navigate most other sites with little or no problem. So what I think is given their superior products like rates and mostly superior customer service their website does not match the rest of it.That is why I gave the customer service rating I did was mostly because of their website not because of any interaction with them on the phone or email. Fix the website people!
Fees Will Eat Away At Deposit For Honest Mistakes, Avoid/Rutheless
There rates are a joke, they advise me to put in a CD to get better rates at 1% so I moved funds over which cause me to incur fees of $9/month I was unaware for years since it was buried like another transaction in statements. I missed it since I put $ in and rarely took out. When I visited branch no one said anything even when I mention I don't like fees. When I tried to request the fees reverse they wouldn't even though I had funds of over $2500 somewhere in their banking system. Their advice of transferring into a CD gave $20/year but I was being charged 9/month = 108 yr in fees. Bank that robs your $, I would stay away unless you like to put $ for fees to suck it all away. Managers who don't care about you (even when you'd been temporary disable for 2 yrs) but spew policy like robots. Even big banks (Citi) can reverse +$200 fees when they realize the situation.
Terrible Company All Around
It has come to the point where it is almost like a bad joke. They call to put people on hold, when you call back their "6 minutes hold time" turns to over an hour. You'd expect a bank or credit union to know basic math at least. Terrible customer service, this company is an insult to humanity. Everything about this company is just terrible, I got stuck with them through refinancing my car, I can't understand why anyone would willingly choose to do business with this company.
Data as of Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 4142 |
| Year Chartered | 1940 |
| Employees | 835 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.36% |
| Return on Equity - YTD | 4.38% |
| Annual Interest Income | $36.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $4.31B$4.03B |
| Loans | Q1 2018vs Q1 2017 | $3.72B$3.45B |
| Deposits | Q1 2018vs Q1 2017 | $3.77B$3.57B |
| Equity Capital | Q1 2018vs Q1 2017 | $350.5MM$325.8MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $29.5MM$27.3MM |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $15.0MM$14.9MM |
| Real Estate Owned | Q1 2018vs Q1 2017 | $0$160.00K |
Always verify rates and promotions with the bank or credit union. We are not Kinecta Federal 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.
Kinecta Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Regular Share Account | |
| 0.05% | - | - | IRA Contributory | |
| 0.05% | - | - | Holiday Share Account |
Kinecta Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Money Market Savings | |
| 0.05% | - | - | IRA Money Market |
Kinecta Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.50%* | $1k* | $100k | 2 Year CD | ||
| OTHER TIERS: 2.00% → $100k+ | |||||
| 2.50%* | $100k* | - | 5 Year CD | ||
| OTHER TIERS: 2.25% → $1k - $100k | |||||
| 2.50% | $100k | - | 2 Year Jumbo Karma Share Certificate | ||
| 2.50% | $100k | - | 5 Year Jumbo Karma Share Certificate | ||
| 2.25% | $1k | - | 5 Year Karma Share Certificate | ||
| 2.15%* | $100k* | - | 4 Year CD | ||
| OTHER TIERS: 2.10% → $1k - $100k | |||||
| 2.10%* | $100k* | - | 3 Year CD | ||
| OTHER TIERS: 2.05% → $1k - $100k | |||||
| 2.10% | $200 | - | 4 Year Youth Club CD | ||
| 2.10% | $100k | - | 3 Year Jumbo Karma Share Certificate | ||
| 2.05% | $200 | - | 3 Year Youth Club CD | ||
| 2.05% | $1k | $100k | 3 Year Karma Share Certificate | ||
| 2.00% | $200 | - | 2 Year Youth Club CD | ||
| 2.00% | $1k | - | 2 Year Karma Share Certificate | ||
| 1.75%* | $100k* | - | 12 Month CD | ||
| OTHER TIERS: 1.70% → $1k - $100k | |||||
| 1.75% | $100k | - | 12 Month Jumbo Karma Share Certificate | ||
| 1.70% | $200 | - | 12 Month Youth Club CD | ||
| 1.70% | $1k | - | 12 Month Karma Share Certificate | ||
| 1.50% | $1k | - | 12 Month Liquid Certificate | ||
| 1.30%* | $100k* | - | 6 Month CD | ||
| OTHER TIERS: 1.25% → $1k - $100k | |||||
| 1.30% | $100k | - | 6 Month Jumbo Karma Share Certificate | ||
| 1.25% | $200 | - | 6 Month Youth Club CD | ||
| 1.25% | $1k | - | 6 Month Karma Share Certificate | ||
| 1.05%* | $100k* | - | 3 Month CD | ||
| OTHER TIERS: 1.00% → $1k - $100k | |||||
| 1.05% | $100k | - | 3 Month Jumbo Karma Share Certificate | ||
| 1.00% | $200 | - | 3 Month Youth Club CD | ||
| 1.00% | $1k | - | 3 Month Karma Share Certificate | ||
| 0.50% | $1k | - | 18 Month Bump Up CD | ||
Kinecta Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.50%* | $100k* | - | 2 Year IRA | ||
| OTHER TIERS: 2.00% → $1k - $100k | |||||
| 2.50%* | $100k* | - | 5 Year IRA | ||
| OTHER TIERS: 2.25% → $1k - $100k | |||||
| 2.15%* | $100k* | - | 4 Year IRA | ||
| OTHER TIERS: 2.10% → $1k - $100k | |||||
| 2.10%* | $100k* | - | 3 Year IRA | ||
| OTHER TIERS: 2.05% → $1k - $100k | |||||
| 1.75%* | $100k* | - | 12 Month IRA | ||
| OTHER TIERS: 1.70% → $1k - $100k | |||||
| 1.30%* | $100k* | - | 6 Month IRA | ||
| OTHER TIERS: 1.25% → $1k - $100k | |||||
| 1.05%* | $100k* | - | 3 Month IRA | ||
| OTHER TIERS: 1.00% → $1k - $100k | |||||
| 0.50% | $1k | - | 18 Month Bump Up IRA | ||
