LIMITED-TIME OFFER
Lock in Your Rate: 3.75% APY* for 15 Months
$100 minimum to open. Offer ends October 20, 2025.
Don't miss out on this limited-time offer.
Take advantage of our exclusive offer and enjoy the certainty that comes with fixed returns.
- Guaranteed savings with a fixed rate and term, so you know exactly how much you'll earn.
- Your deposit is safe and secure with federal insurance by the NCUA.
- The starting deposit is as low as $100.
New to Kinecta?
Become a member and open your 15‑Month Certificate online today.
Need more flexibility?
Check out our High Yield Savings2 account.
- Earn over 8x above the national savings average3
- Deposit or withdraw funds anytime
- Start saving with as little as $25
Frequently Asked Certificate Questions
A certificate is a savings tool that often pays higher rates when compared to a typical savings account. A certificate earns dividends at a fixed rate over a set period of time.
People who are looking to earn a greater return on their money.
The NCUA, or National Credit Union Administration, is an independent federal agency that insures deposits made to any federally insured credit union, such as Kinecta, up to $250,000 per share owner.
Yes, you are guaranteed the stated APY as long as the funds remain in the certificate for its entire term.
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 09/16/25 and may change without notice until the account is opened.
115-month certificate: Offer available 09/16/2025 to 10/20/2025. Minimum balance to open share certificate and obtain APY is $100. This is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
2"National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.
3High-Yield Savings: Dividends accrued daily and paid monthly.