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Kinecta Federal Credit Union

Popular Accounts at this Credit Union

1.10%2-year CD2 Year Jumbo CD
1.10%2-year IRA2 Year Jumbo IRA (Traditional, Roth)
2.05%5-year CD5 Year CD

Overview / Commentary
1440 Rosecrans Ave
Manhattan Beach, CA 90266

Kinecta Federal Credit Union is headquartered in Manhattan Beach and is the 8th largest credit union in the state of California. It is also the 40th largest credit union in the nation. It was established in 1940 and as of December of 2015, it had grown to 999 employees and 282,132 members at 36 locations. Kinecta Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership 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, anyone employed by a member of the select employer group, or family of an existing member.
See current membership details

Related Posts

Kinecta FCU Offers Competitive 15-month Share Certificate Special - 5/26/2015

Kinecta Federal Credit Union has a 15-month Share Certificate Special (1.25% APY). Minimum deposit is $1K, with no balance cap. It is also available as an IRA.

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Reviews (3)


Posted by: SungK2 | Jun 4, 2014

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!

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.

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.


Health Grade Components

NCUA #4142
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5.14%
Annual Interest Income$131.1MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$3.80B$3.60B
LoansQ4 2015vs Q4 2014$3.27B$2.97B
DepositsQ4 2015vs Q4 2014$3.26B$2.97B
Equity CapitalQ4 2015vs Q4 2014$306.1MM$293.1MM
Loan Loss AllowanceQ4 2015vs Q4 2014$28.5MM$29.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$14.2MM$15.3MM
Real Estate OwnedQ4 2015vs Q4 2014$235.00K$3.0MM
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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

0.05%--Regular Share Account
0.05%--IRA Contributory

Kinecta Federal Credit Union Money Market Rates

0.05%--Money Market Savings
0.05%--Money Market Checking
0.05%--IRA Money Market

Kinecta Federal Credit Union Checking Account Rates

0.75%*$1m*-Checking Plus
OTHER TIERS: 0.05% Up to $100k | 0.30% $100k - $250k | 0.40% $250k - $500k | 0.50% $500k - $750k | 0.60% $750k - $1mm

Kinecta Federal Credit Union CD Rates

2.10%$100k-5 Year Jumbo CD
2.05%$1k$100k5 Year CD
1.60%$100k-4 Year Jumbo CD
1.55%$1k$100k4 Year CD
1.55%$200-4 Year Youth Club CD
1.40%$100k-3 Year Jumbo CD
1.35%$1k$100k3 Year CD
1.35%$200-3 Year Youth Club CD
1.10%$100k-2 Year Jumbo CD
1.05%$1k$100k2 Year CD
1.05%$200-2 Year Youth Club CD
0.85%$100k-12 Month Jumbo CD
0.85%$100k-18 Month Jumbo CD
0.80%$1k$100k12 Month CD
0.80%$1k$100k18 Month CD
0.80%$200-12 Month Youth Club CD
0.65%$100k-6 Month Jumbo CD
0.60%$1k$100k6 Month CD
0.60%$200-6 Month Youth Club CD
0.50%$1k$100k18 Month Bump Up CD
0.50%$100k-18 Month Bump-up Jumbo CD
0.40%$100k-3 Month Jumbo CD
0.35%$1k$100k3 Month CD
0.35%$200-3 Month Youth Club CD
0.30%$1k-12 Month Access Plus Share Certificate Speical

Kinecta Federal Credit Union IRA Rates

2.10%$100k-5 Year Jumbo IRA
2.05%$1k$100k5 Year IRA
1.60%$100k-4 Year Jumbo IRA
1.55%$1k$100k4 Year IRA
1.40%$100k-3 Year Jumbo IRA
1.35%$1k$100k3 Year IRA
1.10%$100k-2 Year Jumbo IRA
1.05%$1k$100k2 Year IRA
0.85%$100k-12 Month Jumbo IRA
0.85%$100k-18 Month Jumbo IRA
0.80%$1k$100k12 Month IRA
0.80%$1k$100k18 Month IRA
0.65%$100k-6 Month Jumbo IRA
0.60%$1k$100k6 Month IRA
0.50%$1k$100k18 Month Bump Up IRA
0.50%$100k-18 Month Bump-up Jumbo IRA
0.40%$100k-3 Month Jumbo IRA
0.35%$1k$100k3 Month IRA

Kinecta Federal Credit Union has 36 locations. Click to view all Kinecta Federal Credit Union locations.