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Kinecta Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
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 7/4/2025
3.80%
Our Rating
4.2  / 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 7/4/2025
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 7/4/2025
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
APY APY = Annual Percentage Yield Rates as of 7/4/2025
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
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.kinecta.org
800-854-9846
1440 Rosecrans Ave
Manhattan Beach, CA 90266

Kinecta Federal Credit Union is headquartered in Manhattan Beach and is the 10th largest credit union in the state of California. It is also the 55th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 661 employees and 247,214 members at 27 locations. Kinecta Federal Credit Union's money market rates are 11X 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 (2)

Kinecta Add-On 9 Mo. CD Rate Change

Posted by: |

Visited a branch today and was advised that the current promotion for a minimum $10K add-on 4.25% CD is ending today.

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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #4142
Year Chartered1940
Employees661
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD4.61%
Annual Interest Income$72.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.57B$6.82B
LoansQ1 2025vs Q1 2024$5.56B$5.84B
DepositsQ1 2025vs Q1 2024$5.26B$5.48B
Equity CapitalQ1 2025vs Q1 2024$549.7MM$525.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$55.9MM$60.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$22.2MM$21.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
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 7/4/2025
3.80%
Our Rating
4.2  / 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 7/4/2025
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 7/4/2025
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
APY APY = Annual Percentage Yield Rates as of 7/4/2025
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
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 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

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
5.00%*$0$500High Yield Savings Money Market
OTHER TIERS: 0.05% → $100k+ | 3.25% → $50k - $100k | 3.50% → $500 - $50k
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*-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 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*-Protect Plus Checking
OTHER TIERS: 0.10% → $0 - $25k | 0.15% → $25k - $50k

Kinecta Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$100$100k12 Month CD
4.25%$100k-12 Month Jumbo CD
4.25%$100$100k12 Month Youth Club CD
4.25%$100$100kBusiness 12 Month CD
4.25%$100k-Business 12 Month Jumbo CD
3.75%$100k-3 Month Jumbo CD
3.75%$100-12 Month Liquid Certificate
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
3.25%$100$100k6 Month CD
3.25%$100$100k6 Month Youth Club CD
3.25%$100$100kBusiness 6 Month CD
3.05%$100k-2 Year Jumbo CD
3.05%$100k-Business 2 Year Jumbo CD
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
4.25%$100-12 Month IRA
3.75%*$100k*-3 Month IRA
OTHER TIERS: 3.50% → $100 - $100k
3.50%*$100k*-6 Month IRA
OTHER TIERS: 3.25% → $100 - $100k
3.05%*$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
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