Eligibility:
- Minimum of $150,000 in combined balances (loans, deposits, & investments 1)
- Including minimum of $10,000 in deposits & investments
- Checking account with either of the following: 1) minimum monthly average direct deposit of $250; OR 2) minimum monthly average of 3 transactions tied to the Checking account 2
Enjoy your benefits:
- .05% rate increase on new and renewing Share Certificates 3
- Monthly choice of one of the following for free: 4
- Cashier’s Check ($6.00 value)
- Notary Service ($10.00 value) 5
- Wire Transfer (up to $40.00 value)
- Free small safe deposit box ($35.00 value annually) 6
- NEW! Courtesy Pay, NSF or Overdraft fee reversal (up to $29 value) 7
- CheckCard daily limit increased to $5,500 8
- Free checks ($29.50 value) 9
- Free Bill Pay and Online Banking 10
- NEW! Complimentary financial review/plan with a Kinecta Financial & Insurance Services consultant *
- $250 off closing costs on a first mortgage 11
- NEW! Priority processing on a first mortgage
- No closing costs on a Home Equity Loan or Line of Credit 11/12
- NEW! Annual fee waived on a Kinecta Visa® Signature card ($50 value) 13
- Priority phone service
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1 Assets under management at Kinecta Financial & Insurance Services.*
2 Transactions exclude balance inquiries, dividends, fees, and fee reversals. Average is determined by activity within the previous 6 months, or from the first month following the date the Checking account was opened, whichever is less.
3 Includes promotional certificates. College Saver certificates not eligible for rate increase.
4 Applies to services obtained at Kinecta locations only.
5 Upon availability. Please call for an appointment.
6 Upon availability. May be applied to rental of any available safe deposit box.
7 Eligible fees include: Courtesy Pay ($29), Non-Sufficient Funds (NSF) ($29), Overdrawn Account ($25), Savings Overdraft Protection ($3.50), and Line of Credit Overdraft Protection ($2.00). Upon request, choice of one fee reversed per VIP eligibility period (January-June and July-December).
8 Combined maximum of $500 ATM and $5,000 point-of-sale/debit transactions.
9 Two free boxes of checks per calendar year ($14.75 per box value).
10 Enrollment required.
11 Includes refinancing of loans from Kinecta or other financial institutions.
12 May be applied once in any 12-month period. Loans/lines closed within three years are subject to an early reimbursement cost of up to $500. California primary residences only.
13 Standard qualifying criteria for Visa® Signature credit card apply.
* Securities and Insurance Products offered through LPL Financial, a registered broker/dealer and its affiliates, Member FINRA/SIPC. Insurance products offered through Kinecta Financial & Insurance Services, a subsidiary of Kinecta Federal Credit Union. CA Insurance License #0E24631. Insurance and investment products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the credit union or any affiliated entities; 3) involve investment risk, including possible loss of value. Kinecta Financial & Insurance Services and Kinecta Federal Credit Union are not affiliated with LPL Financial. Some insurance products available to California residents only.
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