High-five to bigger returns. Now at 5.00% APY*
15-month certificate
$100 min. to open
New money required
$100 min. to open
New money required
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.
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 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.
Financial Education
Watch these quick videos to expand your financial knowledge and to help you better manage your money.
Featured News
Kinecta Announces its 2023 Scholarship and Teacher Grant Programs
The 2023 youth scholarship and teacher grant programs are now open. In the past 17 years, Kinecta has awarded nearly $300,000 making dreams reality for students and educators. Applications will be accepted through March 1, 2023.
Kinecta Showcases its Commitment to Community Support
Supporting families and communities through donations, volunteerism, fundraising activities, scholarships and grants.
Kinecta Recognized by the 2022 Rochester Choice Awards
Kinecta was selected as a finalist for Best Credit Union, meaning many in Rochester made Kinecta their first choice for their banking needs.
*Annual Percentage Yield
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.