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Our high rates are in your favor.
Earn up to 4.00% APY*.

18-month certificate – up to 4.00% 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.


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

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 nationwide2


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.

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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.

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Financial Education

Watch these quick videos to expand your financial knowledge and to help you better manage your money.

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*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.