Transfer your high-rate balances and save†.
No Balance Transfer Fee | Low Intro Rate
Use your Kinecta debit or credit card for a chance to win!
Pay less at closing and enjoy a lower monthly payment.
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
- Send and receive money with Zelle®
- 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.
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.
*Annual Percentage Yield
†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.
5The availability of tax or other benefits may be conditioned on meeting certain requirements, such as residency, purpose for or timing of distributions, or other factors. As with any investment, withdrawal value may be more or less than original investment. The earnings portion of non-qualified withdrawals is subject to federal and state income taxes and a 10% federal penalty on earnings.