Get $200 after spending $3,500 within 90 days*.
No annual fee | Earn up to 3% cash back on everyday purchases
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.
Convenience is the name of the game.
- Over 85,000 fee-free ATMs3
- 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
- Member benefits
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.
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 deposit1
Loans That Meet Life’s Needs
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 2022.
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.
Watch these quick videos to expand your financial knowledge and to help you better manage your money.
Join Us for the Upcoming Webinar: Six Steps to Homeownership
Kinecta Exemplifies What It Means to Serve the Community through its Commitment to Kindness and Caring
Kinecta Federal Credit Union Opens New Branch in the Historic Watts Community
*Membership requirements apply. Offer valid for new MyPerks cardholders only and limited to one per member. Purchase transactions made in first 90 days of account opening qualify. Purchases do not include balance transfers, cash advances, any checks that access your account, interest, unauthorized or fraudulent charges, adjustments, and fees of any kind. Your MyPerks card must be in good standing to receive the bonus. Bonus is non- transferable and will be added to the rewards program within two billing cycles of qualification where it can be redeemed for cash. Bonus may be subject to IRS tax reporting. Cardholder may receive a 1099 Form from Kinecta for the bonus. Cardholder is solely responsible for the payment of any applicable taxes. Please consult your tax professional. Kinecta reserves the right to revoke or amend this offer at any time.
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.
2Trifecta bundle. Get up to $400 for combining the Trifecta Bundle of accounts with a MyPerks credit card. Learn more.
3ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/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.