Our high rates are in your favor.
Earn up to 4.00% APY*.
Earn up to 4.00% APY*.
18-month certificate – up to 4.00% APY
12-month liquid certificate – 3.00% APY
12-month liquid certificate – 3.00% APY
We’re here to help you build financial security.
Find great features on checking accounts, low rates on home and personal loans, credit cards, and more.
Banking products and services designed with you in mind.
Convenience is the name of the game.
- Over 85,000 fee-free ATMs2
- Access to 5,800+ shared branches nationwide
- Deposits insured up to $250,000 by the NCUA
- Highly rated mobile app
- Secure online banking
- Outstanding service and live chat
Simplify your finances with credit cards that work for you!
- Cash back rewards card3
- 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
Learn more about online and mobile banking.
We meet your banking needs, whatever they are and wherever you are.
We invest in and serve the communities where our members live and work.
Kinecta Community Foundation
We give back to our communities through volunteerism and financial support, with over $880,000 donated in 2021.
Student and Teacher Scholarships
Kinecta provides eight $2,000 scholarships each year to help full-time students achieve their educational goals. Kinecta also awards six teaching grants annually to support outstanding educators.
Financial Education
Watch these quick videos to expand your financial knowledge and to help you better manage your money.
Featured News
Kinecta Federal Credit Union provided holiday meals to more than 1,300 families in the 49th annual holiday food drive
More than $70,000 was raised through donations from vendors, employees, members and local community members to provide traditional Thanksgiving food items and a $75 store gift card to each family.
Kinecta receives Social Impact Award from the California and Nevada Credit Union League
The award recognizes distinguished industry leaders who work to build stronger communities and improve members' lives.
Kinecta Federal Credit Union Voted South Bay’s Best Credit Union
The Daily Breeze and The Beach Reporter, hosts of the annual Reader’s Choice South Bay’s Best Awards, asked the community to vote for their favorite places in the South Bay. Kinecta Federal Credit Union was voted best credit union, best for auto loans and the best financial planning company.
*Annual Percentage Yield
†NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. Void where prohibited. Open to legal permanent residents of the fifty (50) U.S. (including D.C.) who are legal age of majority in their state or jurisdiction of residence prior to time/date of entry. Ends 12/31/22. See Official Rules for complete details, including alternate method of entry and prize description, at kinecta.org/HolidaySweepstakes. Sponsor: Kinecta Federal Credit Union, Manhattan Beach, CA 90266.
1Early 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.
2ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.
3Cash back. Earn 3% on gas (up to $6000 in annual purchases) and 2% on groceries (up to $6000 in annual purchases). 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.