Featured Savings Rates
Featured Accounts

Kinecta Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.50%5-year CD5 Year CD
2.50%5-year IRA5 Year IRA (Traditional, Roth)
2.00%2-year CD2 Year CD

Overview / Commentary
310-643-2045
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 41st largest credit union in the nation. It was established in 1940 and as of September of 2017, it had grown to 831 employees and 286,957 members at 35 locations. Kinecta Federal Credit Union has a B+ health rating.

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

Kinecta FCU's 5-year CD and Jumbo CD Rates Climb Upward - 10/23/2017

Kinecta FCU has upped the rates on its nationally available 5-year Share Certificate (2.25% APY, $1k) and Jumbo Share Certificate (2.50% APY, $100k). Also as IRAs.

Kinecta 30-Month And 15-Month Certificate Specials - Socal - 9/24/2017

ad in today’s LA Times Share Certificates $100,000 or more 2.00% APY 30 month 1.60% APY 15 month Less than $100,000 1.50% APY 30 month 1.40% APY 15 month https://www.kinecta.org/interest

Kinecta FCU Adds 30-Month CD and Jumbo CD - 6/2/2017

Kinecta FCU (easy membership) has added a 30-month Share Certificate (1.50% APY, $1k+) and 30-month Jumbo Share Certificate (2.00% APY, $100k+).

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Reviews (3)

Thanks!

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!

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.



Health
B+

Health Grade Components

Overall
NCUA #4142
Year Chartered1940
Employees831
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.37%
Annual Interest Income$108.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$4.13B$3.97B
LoansQ3 2017vs Q3 2016$3.54B$3.40B
DepositsQ3 2017vs Q3 2016$3.66B$3.42B
Equity CapitalQ3 2017vs Q3 2016$339.0MM$315.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$29.0MM$28.4MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$20.7MM$15.0MM
Real Estate OwnedQ3 2017vs Q3 2016$0$207.00K
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
0.05%--Regular Share Account
0.05%--IRA Contributory

Kinecta Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Money Market Savings
0.05%--Money Market Checking
0.05%--IRA Money Market

Kinecta Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-5 Year CD
OTHER TIERS: 2.25% $1k - $100k
2.00%*$100k*-2 Year CD
OTHER TIERS: 1.75% $1k - $100k
2.00%$100k-30 Month Jumbo CD
1.75%$200-2 Year Youth Club CD
1.75%$1k-30 Month CD
1.60%*$100k*-4 Year CD
OTHER TIERS: 1.55% $1k - $100k
1.55%$200-4 Year Youth Club CD
1.50%$1k-13 Month Promotional Share Certificate
1.40%*$100k*-3 Year CD
OTHER TIERS: 1.35% $1k - $100k
1.35%$200-3 Year Youth Club CD
0.85%*$100k*-12 Month CD
OTHER TIERS: 0.80% $1k - $100k
0.80%$1k-18 Month CD
0.80%$200-12 Month Youth Club CD
0.70%$1k-12 Month Access Plus Share Certificate Special
0.65%*$100k*-6 Month CD
OTHER TIERS: 0.60% $1k - $100k
0.60%$200-6 Month Youth Club CD
0.50%$1k-18 Month Bump Up CD
0.40%*$100k*-3 Month CD
OTHER TIERS: 0.35% $1k - $100k
0.35%$200-3 Month Youth Club CD

Kinecta Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-5 Year IRA
OTHER TIERS: 2.25% $1k - $100k
2.00%*$100k*-2 Year IRA
OTHER TIERS: 1.75% $1k - $100k
1.60%*$100k*-4 Year IRA
OTHER TIERS: 1.55% $1k - $100k
1.40%*$100k*-3 Year IRA
OTHER TIERS: 1.35% $1k - $100k
0.85%*$100k*-12 Month IRA
OTHER TIERS: 0.80% $1k - $100k
0.80%$1k-18 Month IRA
0.65%*$100k*-6 Month IRA
OTHER TIERS: 0.60% $1k - $100k
0.50%$1k-18 Month Bump Up IRA
0.40%*$100k*-3 Month IRA
OTHER TIERS: 0.35% $1k - $100k
Locations

Availability