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Early Payday!

  • Open a checking account with direct deposit for your payroll check
  • Access your money up to two days before your payday1
  • Get paid sooner, spend smarter!
individual using a mobile phone excited about early payday

Consolidate, then celebrate.

Pay off high-interest debt and save money.
women celebrating looking at her online banking

Digital investing made easy.

Try automated or self-directed investing.
women looking at investment options on a tablet

    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 deposit1

    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 2022.

    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. Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE). Offer valid for new MyPower cardholders only. For MyPower Terms and Conditions, click here. In order to receive the balance transfer introductory rate of 2.99% APR for 18 months, a balance transfer must be requested within ninety (90) days of account opening (minimum $500 transfer). Allow 15-30 business days to complete balance transfer. This balance transfer request may not be used to repay any existing Kinecta loans including but not limited to auto loans, mortgage loans, lines of credit, or Kinecta credit cards. After the intro period, the rate will convert to our standard variable APR of between 13.24% to 18.00%.

    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 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.