Kinecta Federal Credit Union

Overview / Commentary
1440 Rosecrans Ave
Manhattan Beach, CA 90266

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. 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 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 (7)

Choose A Credit Union

Posted by: |

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

Posted by: |

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.


Posted by: |

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!

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.

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 Grade Components

NCUA #4142
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD-0.17%
Return on Equity - YTD-2.21%
Annual Interest Income$73.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$6.82B$6.74B
LoansQ1 2024vs Q1 2023$5.84B$5.68B
DepositsQ1 2024vs Q1 2023$5.48B$5.96B
Equity CapitalQ1 2024vs Q1 2023$525.5MM$532.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$60.2MM$61.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$21.6MM$24.1MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0

Rates for Kinecta Federal Credit Union are currently being reviewed.



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