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Kinecta Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.70%
Our Rating
4.3  / 5
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 3/27/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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.kinecta.org
800-854-9846
1440 Rosecrans Ave
Manhattan Beach, CA 90266

Kinecta Federal Credit Union is headquartered in Manhattan Beach and is the 9th largest credit union in the state of California. It is also the 53rd largest credit union in the nation. It was established in 1940 and as of December of 2024, it had grown to 669 employees and 250,752 members at 27 locations. Kinecta Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Kinecta Federal Credit Union is open to anyone through membership in the Innovision Society (one-time $10 membership fee paid by Kinecta). Membership is also open to those who live, work, or attend school in select Zip Codes in Anaheim, Lancaster, Rialto, Santa Ana or the Greater Los Angeles Area, or employees of more than 200 select employer groups.
See current membership details

Reviews (1)

Be Careful

Posted by: |

Been a member for years and watched them go steadily down hill. For example, home refi was almost complete, when they decided my retirement income didn't qualify. Oversight by the overly eager loan officer. Their rates are also less than attractive. If possible, go somewhere else.

4


Health
B

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #4142
Year Chartered1940
Employees669
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD1.55%
Annual Interest Income$295.3MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$6.66B$6.84B
LoansQ4 2024vs Q4 2023$5.64B$5.84B
DepositsQ4 2024vs Q4 2023$5.01B$5.56B
Equity CapitalQ4 2024vs Q4 2023$540.8MM$528MM
Loan Loss AllowanceQ4 2024vs Q4 2023$57.6MM$60.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$27.7MM$23.1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.70%
Our Rating
4.3  / 5
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 3/27/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Health Savings Account - Single
0.10%$0-Health Savings Account - Family
0.05%$5-Regular Share Account
0.05%$5-Business Savings

Kinecta Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-IRA Money Market
OTHER TIERS: 0.15% → $0 - $2.5k | 0.20% → $2.5k - $10k | 0.25% → $10k - $50k | 0.40% → $50k - $100k
0.50%*$100k*-High-Yield Money Market
OTHER TIERS: 0.15% → $0 - $2.5k | 0.20% → $2.5k - $10k | 0.25% → $10k - $50k | 0.40% → $50k - $100k
0.50%*$100k*-Business High-Yield Money Market
OTHER TIERS: 0.15% → $0 - $2.5k | 0.20% → $2.5k - $10k | 0.25% → $10k - $50k | 0.40% → $50k - $100k

Kinecta Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Business Checking Plus
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k

Kinecta Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$100-13 Month CD Special - New Money
4.25%$10k-9 Month Liquid Certificate Special - New Money
3.75%$100k-3 Month Jumbo CD
3.75%$100k-Business 3 Month Jumbo CD
3.50%$100$100k3 Month CD
3.50%$100k-6 Month Jumbo CD
3.50%$100$100k3 Month Youth Club CD
3.50%$100$100kBusiness 3 Month CD
3.50%$100k-Business 6 Month Jumbo CD
3.50%$100-30 Month CD Special - New Money
3.35%$100k-12 Month Jumbo CD
3.35%$100k-Business 12 Month Jumbo CD
3.25%$100$100k6 Month CD
3.25%$100$100k6 Month Youth Club CD
3.25%$100$100kBusiness 6 Month CD
3.10%$100$100k12 Month CD
3.10%$100$100k12 Month Youth Club CD
3.10%$100$100kBusiness 12 Month CD
3.05%$100k-2 Year Jumbo CD
3.05%$100k-Business 2 Year Jumbo CD
3.00%$100-12 Month Liquid Certificate
2.80%$100$100k2 Year CD
2.80%$100$100k2 Year Youth Club CD
2.80%$100-College Saver Certificate
2.80%$100$100kBusiness 2 Year CD
2.75%$100k-3 Year Jumbo CD
2.75%$100k-Business 3 Year Jumbo CD
2.50%$100$100k3 Year CD
2.50%$100k-4 Year Jumbo CD
2.50%$100$100k3 Year Youth Club CD
2.50%$100$100kBusiness 3 Year CD
2.50%$100k-Business 4 Year Jumbo CD
2.25%$100$100k4 Year CD
2.25%$100k-5 Year Jumbo CD
2.25%$100$100k4 Year Youth Club CD
2.25%$100$100kBusiness 4 Year CD
2.25%$100k-Business 5 Year Jumbo CD
2.00%$100$100k5 Year CD
2.00%$100$100kBusiness 5 Year CD

Kinecta Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$100k*-3 Month IRA
OTHER TIERS: 3.50% → $100 - $100k
3.50%*$100k*-6 Month IRA
OTHER TIERS: 3.25% → $100 - $100k
3.35%*$100k*-12 Month IRA
OTHER TIERS: 3.10% → $100 - $100k
3.05%*$100k*-2 Year IRA
OTHER TIERS: 2.80% → $100 - $100k
2.75%*$100k*-3 Year IRA
OTHER TIERS: 2.50% → $100 - $100k
2.50%*$100k*-4 Year IRA
OTHER TIERS: 2.25% → $100 - $100k
2.25%*$100k*-5 Year IRA
OTHER TIERS: 2.00% → $100 - $100k
0.05%$1-Contributory IRA Accounts With Payroll Deduction
0.05%$100-Contributory IRA Accounts Without Payroll Deduction
Locations

Availability

Los Angeles Area

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