kinecta mobile app icon
Kinecta Mobile Banking Kinecta Federal Credit Union GET - On the Google Play Store
Skip to main content


Maximize flexibility.

9-mo. liquid cert. at 4.25% APY*
  • Unlimited deposits
  • Penalty-free withdrawals
  • New money required
13-mo. regular cert. | 4.50% APY* | New money required
women shopping

Get a $225 checking bonus.

  • Open a new personal checking account and complete eligibility requirements.1
  • Access your money up to two days before your payday.2
individual using a mobile phone excited about early payday

Tap into your home's equity.

  • As low as 6.99% APR5 variable intro. rate for the first 12 billing cycles.
  • Rates as low as 8.875% after that.
image of a modern home

    We're here to help you build financial security.

    Find great features on checking accounts and credit cards, low rates on loans and more.

    Banking products and services designed with you in mind.

    Simplify your finances with credit cards that work for you!

    • Cash back rewards card4
    • Earn up to 3% cash back and an annual loyalty bonus.
    • Credit building card
    • Build or rebuild your credit with a secured card.
    • No-fee card
    • Enjoy a low interest rate and save on fees.

    Highly rated mobile app.

    • Transfer money
    • Pay bills
    • Deposit checks
    • Pay friends & family
    • Digital wallet
    • Quick apply — credit card/personal/auto/home loans

    Apple App Store Android App Store

    Learn more about online and mobile banking.

    We meet your banking needs, whatever they are and wherever you are.

    Checking & Savings Solutions

    Higher deposit dividend rates

    Early payday with direct deposit2

    Mobile deposit

    Digital wallet

    Loans That Meet Life’s Needs

    Personal loans

    Auto loans

    Mortgage loans

    Student loans

    Member Advantages

    Personalized service & support

    Low rates on loans

    5,800+ shared branches nationwide

    Higher dividends on deposits

    85,000+ fee-free ATMs nationwide3

    We invest in and serve the communities where our members live and work.

    Kinecta Community Support

    We give back to our communities through volunteerism and financial support, with over $1,200,000 donated in 2023.

    Student Scholarships and Teacher Grants

    Each year, our scholarship program helps eight exceptional students attend the college of their dreams by providing them with a $2,000 scholarship to defray a portion of their tuition expenses.

    Along with Innovision Society, a partner of Kinecta, this year, ten grants of up to $2,000 will be awarded to teachers who demonstrate exceptional adaptability and ingenuity through creative educational projects.

    Financial Education

    Watch these quick videos to expand your financial knowledge and to help you better manage your money.


    Select Employer Groups (SEG)

    Companies with 25 or more employees may be eligible to join Kinecta's SEG program which offers employee benefits on credit union products at no cost to the employer.


    Membership requirements apply.

    *Annual percentage yield (APY) is accurate as of 7/05/2024.

    9-month liquid certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $10,000. Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties. At maturity, certificate will automatically renew to a 12-month Liquid Certificate.

    13-month regular certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The 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, certificate will automatically renew at the prevailing certificate rate.

    1$225 Bonus. Membership requirements apply. Rates are variable and subject to change after account opening. Fees may reduce earnings. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Limited time offer subject to change without notice. Earn bonus by (1) opening a new personal checking account; (2) receiving direct deposit(s) totaling $500 or more in the new checking account within 60 days of account opening; (3) maintaining a $5,000 average daily balance in checking for the first 90 days of account opening; (4) completing 12 debit card transactions per 30 days for the first 90 days of account opening. Offer not valid for members with an existing checking account or a Kinecta checking account closed within 90 days of new checking account opening. Your bonus will be paid within 30 days of meeting all qualifications described above. Account must be in good standing to receive bonus. One bonus per member. Cannot be combined with other offers. Bonus may be subject to IRS tax reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional.

    2Early payday. Access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to two days earlier than the effective payroll payment date.

    3ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.

    4Cash back. Earn 3% on gas  and 2% on groceries. Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments. Relationship bonus. Paid as a statement credit and is non-transferable. The Relationship Bonus is applied toward Cash Back Rewards earned from the date the account is opened. Relationship Bonus is paid on anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example: Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward of $273.60. For more details about the Cash Back Reward Program, click here.

    5Home Equity Line of Credit with Intro. Rate. APR = Annual Percentage Rate. Rates are subject to change. Subject to credit approval. Membership requirements apply. Requires minimum initial draw of $25,000 (or $25,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the “index”) plus a margin. This rate may vary with changes in the Prime Rate. As of 09/01/2023 Prime Rate is 8.500%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. Combined loan to value (CLTV) up to 80%. The minimum credit limit and loan amount is $25,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $395 loan processing fee waived if (1) automatic payment plan from a Kinecta account is set up at closing; and (2) not replacing an existing Kinecta home equity loan originated in prior 12 months. Kinecta mortgage loans are offered under Nationwide Multistate Licensing System (NMLS) #407870.

    All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. Kinecta IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle®