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Kinetic Federal Credit Union

Popular Accounts at this Credit Union

2.00%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 642nd largest credit union in the nation. It was established in 1956 and as of June of 2016, it had grown to 168 employees and 49,118 members at 10 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 (2)

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!!!

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-0.91%
Return on Equity - YTD-7.75%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$370.5MM$293.7MM
LoansQ2 2016vs Q2 2015$269.3MM$207.6MM
DepositsQ2 2016vs Q2 2015$327.2MM$258.3MM
Equity CapitalQ2 2016vs Q2 2015$40.3MM$31.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.9MM$2.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.6MM$1.7MM
Real Estate OwnedQ2 2016vs Q2 2015$22.00K$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

2.00%*-$5kSmart Rate Checking - Qualifying
OTHER TIERS: 0.30% $5k+
0.30%$5k-Rewards Checking

Kinetic Federal Credit Union CD Rates

1.31%$500-36 Month Prime Club Quarterly CD
1.30%$500-36 Month Prime Club Monthly CD
1.21%$500-30 Month Prime Club Quarterly CD
1.20%$500-30 Month Prime Club Monthly CD
1.16%$500-36 Month Quarterly CD
1.15%$500-36 Month Monthly CD
1.11%$500-24 Month Prime Club Quarterly CD
1.10%$500-24 Month Prime Club Monthly CD
1.05%$500-30 Month Quarterly CD
1.05%$500-30 Month Monthly CD
0.95%$500-24 Month Quarterly CD
0.95%$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

1.16%$500-36 Month IRA
1.05%$500-30 Month IRA
0.95%$500-24 Month IRA
0.75%$500-18 Month IRA
0.65%$500-12 Month IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA

Kinetic Federal Credit Union Locations
Branch Office3722 US Highway 431 NPhenix City, AL 36867
Branch Office1807 S Lumpkin Rd Ste DColumbus, GA 31903-2794
Branch Office1251 13th StColumbus, GA 31901-2227
Branch Office7300 Veterans PkwyColumbus, GA 31909-3198
Branch Office4811 Bankers BlvdColumbus, GA 31909-5359
Branch Office4105 Buena Vista RdColumbus, GA 31907-3859
Branch Office6579 Eckel AveColumbus, GA 31905-3796
Branch Office6333 Whitesville Rdcolumbus, GA 31904-3241
Branch Office2944 Macon Rdcolumbus, GA 31906-2204
Branch Office308 E Ann StValdosta, GA 31601