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Kinetic Federal Credit Union

Popular Accounts at this Credit Union

1.00%Reward CheckingSmart Rate Checking
0.65%1-year CD12 Month Monthly CD
0.10%SavingsSpecial Savings

Overview / Commentary
1251 13th St
Columbus, GA 31901-2227

Kinetic Federal Credit Union is headquartered in Columbus and is the 8th largest credit union in the state of Georgia. It is also the 643rd largest credit union in the nation. It was established in 1956 and as of December of 2016, it had grown to 158 employees and 49,206 members at 11 locations. Kinetic Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Muscogee, Chattahoochee, Harris, or Marion counties in Georgia and Lee, Russell, and Macon counties in Alabama or as an immediate family member of a current member.
See current membership details

Reviews (4)

TIC Customer Since 1985

Posted by: katigurou | Oct 22, 2012

I love TIC. Their rates are always a fraction better than the competition because they are member owned. Their credit card is one of the cheapest around, with no annual fee and a low interest rate. The only downside is that in this case you don't get what you don't pay for. Try to buy something in the back of Walmart and then go to the front checkout, and you will find your card frozen. Try to call to get your access restored outside short bankers hours five days a week and you will find that the office that can do that for you is closed. No 24/7 service. On the other hand, TIC offers a prepaid credit card in place of Traveler's Checks. Because it is prepaid, beware: no one has a motive to watch out for fraudulent use. However, that works two ways. No one is going to tell you not to use it twice on one visit to a Walmart. Just don't let anyone else get a hold of it, because since no one is watching, anyone with a Money card in hand can use it right up. The only thing that might hang them up is if someone asks for their ID :-) so be SURE to put on the back of the card with a Sharpie marker, ASK4ID!!!

I Had Planned To Bank Here. But...

I don't do this often, I understand that at most businesses most of the people you see and talk to are the low CSR's and have no say in how the business is run. But when I come across a business that blatenly lie or give you a run around it really makes me mad.
Thursday I went to the Kinetic Credit Union next to Peachtree Mall. I get my paycheck on a reloadable debit card every week and use Kinetic's ATM to withdrawl it. I ran my card and tried to withdraw the cash. The ATM said that there was an issue and the transaction wasn't completed. No money came out. I then got a text from my card saying that $X was withdrawn and I had a end balance of $X. I went inside to talk to a teller and they said to call my card company. I thanked them and left. I called my card and after hours on hold they told me that I needed to get a fax number and email for the company that services the ATM. So I call Kinetic. They told me that they service their own ATM's and we needed to just have the transaction cancelled by my card company. So back to hold. The card company then told us that the bank had the money held due to issues with the ATM. The man said that all they would need to do is reset the ATM. So I went back to the bank to ask them to do the reset. The bank manager told us they couldn't do it because, contrary to the information I got the day before, a outside company services the ATM. I asked for the information on the ATM company. The bank manager stared at me and refused to answer any more questions. We then took a look at the ATM and got the companies name. Dean called them and was told that "Yes it's something that happens all Kinetic has to do is call us and We can have it fixed by the end of the day." Dean got the number and called Kinetic. The lady said "yeah we could call but they would charge a service fee so no we won't call them. It should work it's way out in a week or so. You'll just have to wait."
My husband and I had planned to open an account with Kinetic but after this show of the worst customer service. I have ever seen I will not be. I am still waiting on paycheck thanks to there faulty ATM. It has been 5 days I have Bill's that have come unpaid and my family is suffering because of it.

Poor Rates

Posted by: Fre Ma | Jan 18, 2017

Nothing has really improved since the name change and merger.
Been with these folks for decades, while slowly moving assets elsewhere....also found it funny, the one poster stated they never got a phone call. That is generally the case, but they are EXTREMELY swift when the penalty benefits them. AND on top of that they REQUIRE updates to phone #s email addresses physical location, but never use this to actually contact you with a problem.....sad sad sad. But heu, Happy New Year.

Run Away!!!

I have been with several banks and this is by far the worst. I have been with Kinetic for about 5 months and have had many problems. First I used their "Switch Agent" to make switching my bills easier, big mistake. After wasting a day filling out info on their website they never switch most of my bills causing me to go in to collections. No one ever called or email me to follow up as promised. After straightening out that mess out myself, I received a notice about 3 months later from one of my credit cards saying I was in collections. I had an auto monthly payment I set up myself with kinetic. I checked my online bill pay and it said the payments were sent, but my credit card company never received the payments. After a couple of calls and a couple of hours at my bank they could not tell me where my payments went. They actually asked me for the account and address I put in the bill pay, they could not look this up for some reason. They asked me to email them the info when I got home. I called a couple hours later because I could not find the email link. They told me I needed to contact their 3rd party bill pay company. So I called them and they told me to call my branch back. I told them to forget it, this is not worth the $30 they lost. A few days later my husbands bill pay account was blocked because his checking account dropped below zero for a couple of hours. I immediately transferred money to cover this but the block remained and we received no notification, only finding out when he went in collections for bills unpaid. I have since switch all my bills to pay through a credit card while I frantically try to find another bank.


Health Grade Components

NCUA #10866
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD-0.32%
Return on Equity - YTD-3%
Annual Interest Income$15.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$377.9MM$310.1MM
LoansQ4 2016vs Q4 2015$281.9MM$216.0MM
DepositsQ4 2016vs Q4 2015$334.1MM$275.1MM
Equity CapitalQ4 2016vs Q4 2015$40.5MM$32.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.2MM$2.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$3.6MM$2.1MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kinetic Federal Credit Union Savings Account Rates

0.35%--IRA Savings
0.35%--Roth IRA Savings
0.20%-$7,500Christmas Savings
0.20%-$7,500Tax Savings
0.20%$25-Prime Club Savings
0.10%$25-Regular Savings
0.10%$25-Xtreme Savers Account
0.10%$25-Greenkids Savings
0.10%--Special Savings

Kinetic Federal Credit Union Money Market Rates

0.30%*$50k*-Money Market Account
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $20k | 0.25% $20k - $50k

Kinetic Federal Credit Union Checking Account Rates

1.00%*-$5kSmart Rate Checking - Qualifying
OTHER TIERS: 0.10% $5k+
0.10%$5k-Rewards Checking

Kinetic Federal Credit Union CD Rates

1.66%$500-48 Month Prime Club Quarterly CD
1.65%$500-48 Month Prime Club Monthly CD
1.51%$500-48 Month Quarterly CD
1.50%$500-48 Month Monthly CD
1.41%$500-36 Month Prime Club Quarterly CD
1.40%$500-36 Month Prime Club Monthly CD
1.31%$500-30 Month Prime Club Quarterly CD
1.30%$500-30 Month Prime Club Monthly CD
1.26%$500-36 Month Quarterly CD
1.25%$500-36 Month Monthly CD
1.21%$500-24 Month Prime Club Quarterly CD
1.20%$500-24 Month Prime Club Monthly CD
1.16%$500-30 Month Quarterly CD
1.15%$500-30 Month Monthly CD
1.05%$500-24 Month Quarterly CD
1.05%$500-24 Month Monthly CD
0.90%$500-18 Month Prime Club Monthly CD
0.90%$500-18 Month Prime Club Quarterly CD
0.80%$500-12 Month Prime Club Monthly CD
0.80%$500-12 Month Prime Club Quarterly CD
0.75%$500-18 Month Quarterly CD
0.75%$500-18 Month Monthly CD
0.65%$500-12 Month Quarterly CD
0.65%$500-12 Month Monthly CD
0.30%$500-6 Month Prime Club Monthly CD
0.30%$500-6 Month Prime Club Quarterly CD
0.25%$500-3 Month Prime Club Monthly CD
0.25%$500-3 Month Prime Club Quarterly CD
0.15%$500-6 Month Quarterly CD
0.15%$500-6 Month Monthly CD
0.10%$500-3 Month Quarterly CD
0.10%$500-3 Month Monthly CD

Kinetic Federal Credit Union IRA Rates

1.51%$500-48 Month IRA Quarterly
1.26%$500-36 Month IRA Quarterly
1.16%$500-30 Month IRA Quarterly
1.05%$500-24 Month IRA Quarterly
0.75%$500-18 Month IRA Quarterly
0.65%$500-12 Month IRA Quarterly
0.15%$500-6 Month IRA Quarterly
0.10%$500-3 Month IRA Quarterly

Kinetic Federal Credit Union has 11 locations. Click to view all Kinetic Federal Credit Union locations.