Our VIP members deserve more! There’s no fee, and you don’t need to sign up for anything. You’re automatically enrolled when you qualify.
Program Benefits:
Rate bonus on share certificates Monthly choice of free services: 1
Cashier’s Check, Notary Service 2, Wire Transfer NEW! Courtesy Pay, NSF or Overdraft fee reversal 3 Daily CheckCard limit up to $5,500 4 Free safe deposit box 5 Free checks 6 Free Bill Pay and Online Banking 7 NEW! Complimentary financial review/plan with a Kinecta Financial & Insurance Services consultant * Discounted closing costs on a first mortgage 8 NEW! Priority processing on a first mortgage No closing costs on a Home Equity Loan or Line of Credit 8/9 NEW! Annual fee waived on a Kinecta Visa® Signature card ($50 value) 10 Priority phone service
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Eligibility Criteria
| » Kinecta Gold Club |
» Kinecta Hughes Gold Elite Club |
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Minimum of $150,000 in combined balances
(loans, deposits, and investments 9)
Including minimum of $10,000 in deposits & investments |
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Same as Gold Club, plus Kinecta member for 20+ years |
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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 11 |
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1 Gold Club: One free service per month. Hughes Gold Elite Club: Three free services per month. Applies to services obtained at Kinecta locations only.
2 Upon availability. Please call for an appointment.
3 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).
4 Combined maximum of $500 ATM and $5,000 point-of-sale/debit transactions.
5 Upon availability. Gold Club: Small box; Hughes Gold Elite Club: Large box. Value may be applied to rental of any available safe deposit box.
6Two free boxes of checks per calendar year ($14.75 per box value).
7 Enrollment required.
8 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.
9 Assets under management at Kinecta Financial & Insurance Services.*
10 Standard qualifying criteria for Visa® Signature credit card apply.
11 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. * 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. |