Kinecta Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.00% | 5-year CD | 5 Year CD 2.25% - Ally Bank High Yield 5 Year CD |
| 1.25% | 2-year CD | 2 Year Jumbo CD |
| 2.00% | 5-year IRA | 5 Year IRA (Traditional, Roth) 1.50% - National Average |
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 2016, it had grown to 863 employees and 290,596 members at 36 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
6/25 - Kinecta FCU Has Competitive 5-Year CD And Jumbo CD
5/22 - Kinecta FCU Offering 1.25% On 15-Month CD
9/30 - 2.00% 2-Year Jumbo CD
9/18 - Highly Competitive 2-Year Jumbo CD At Kinecta Federal Credit Union
10/23/07 - 5.40% 12-Month CD at a California CU - Open To All (Kinecta)
1/20/07 - 5.55% 15-Month CD at a California CU - Open To All (Kinecta)
6/4/06 - 5.55% 15-Month CD at a California CU (open to all)
2/6/06 - 5.05% 13-Month Bump-Up CD at a CA CU (Open to All)
Thanks!
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.
Data as of Q4 2016
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 4142 |
| Year Chartered | 1940 |
| Employees | 863 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.34% |
| Return on Equity - YTD | 4.21% |
| Annual Interest Income | $132.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2016vs Q4 2015 | $3.93B$3.80B |
| Loans | Q4 2016vs Q4 2015 | $3.43B$3.27B |
| Deposits | Q4 2016vs Q4 2015 | $3.43B$3.26B |
| Equity Capital | Q4 2016vs Q4 2015 | $321.7MM$306.1MM |
| Loan Loss Allowance | Q4 2016vs Q4 2015 | $28.2MM$28.5MM |
| Unbacked Noncurrent Loans | Q4 2016vs Q4 2015 | $16.0MM$14.2MM |
| Real Estate Owned | Q4 2016vs Q4 2015 | $369.00K$235.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Regular Share Account | |
| 0.05% | - | - | IRA Contributory | |
| 0.05% | - | - | Business Savings |
Kinecta Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Money Market Savings | |
| 0.05% | - | - | Money Market Checking | |
| 0.05% | - | - | IRA Money Market |
Kinecta Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.05% | $100k | - | 5 Year Jumbo CD | ||
| 2.00% | $1k | $100k | 5 Year CD | ||
| 1.60% | $100k | - | 4 Year Jumbo CD | ||
| 1.55% | $1k | $100k | 4 Year CD | ||
| 1.55% | $200 | - | 4 Year Youth Club CD | ||
| 1.40% | $100k | - | 3 Year Jumbo CD | ||
| 1.40%* | $100k* | - | 15 Month Promotional Share Certificate | ||
| OTHER TIERS: 1.20% → $1k - $100k | |||||
| 1.35% | $1k | $100k | 3 Year CD | ||
| 1.35% | $200 | - | 3 Year Youth Club CD | ||
| 1.25% | $100k | - | 2 Year Jumbo CD | ||
| 1.20% | $1k | $100k | 2 Year CD | ||
| 1.20% | $200 | - | 2 Year Youth Club CD | ||
| 1.20% | - | - | College Saver Certificate | ||
| 0.85% | $100k | - | 12 Month Jumbo CD | ||
| 0.80% | $1k | $100k | 12 Month CD | ||
| 0.80% | $1k | $100k | 18 Month CD | ||
| 0.80% | $100k | - | 18 Month Jumbo CD | ||
| 0.80% | $200 | - | 12 Month Youth Club CD | ||
| 0.80% | $1k | - | 13 Month Promotional Share Certificate | ||
| 0.65% | $100k | - | 6 Month Jumbo CD | ||
| 0.60% | $1k | $100k | 6 Month CD | ||
| 0.60% | $200 | - | 6 Month Youth Club CD | ||
| 0.50% | $1k | $100k | 18 Month Bump Up CD | ||
| 0.50% | $100k | - | 18 Month Bump-up Jumbo CD | ||
| 0.40% | $100k | - | 3 Month Jumbo CD | ||
| 0.35% | $1k | $100k | 3 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.05% | $100k | - | 5 Year Jumbo IRA | ||
| 2.00% | $1k | $100k | 5 Year IRA | ||
| 1.60% | $100k | - | 4 Year Jumbo IRA | ||
| 1.55% | $1k | $100k | 4 Year IRA | ||
| 1.40% | $100k | - | 3 Year Jumbo IRA | ||
| 1.40%* | $100k* | - | 15 Month Promotional IRA | ||
| OTHER TIERS: 1.20% → $1k - $100k | |||||
| 1.35% | $1k | $100k | 3 Year IRA | ||
| 1.25% | $100k | - | 2 Year Jumbo IRA | ||
| 1.20% | $1k | $100k | 2 Year IRA | ||
| 0.85% | $100k | - | 12 Month Jumbo IRA | ||
| 0.80% | $1k | $100k | 12 Month IRA | ||
| 0.80% | $1k | $100k | 18 Month IRA | ||
| 0.80% | $100k | - | 18 Month Jumbo IRA | ||
| 0.80% | $1k | - | 13 Month Promotional IRA | ||
| 0.65% | $100k | - | 6 Month Jumbo IRA | ||
| 0.60% | $1k | $100k | 6 Month IRA | ||
| 0.50% | $1k | $100k | 18 Month Bump Up IRA | ||
| 0.50% | $100k | - | 18 Month Bump-up Jumbo IRA | ||
| 0.40% | $100k | - | 3 Month Jumbo IRA | ||
| 0.35% | $1k | $100k | 3 Month IRA | ||
Kinecta Federal Credit Union has 36 locations. Click to view all Kinecta Federal Credit Union locations.