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Welcome to Kinecta

Providing support to those in need, when they need it

Branch & ATM Network 1

Enjoy access to your money through 30,000 surcharge-free ATMs and 5,000 shared credit union branches.

Online Banking & Bill Pay

Use Kinecta’s secure online banking to check balances, pay bills, make loan payments, and more.

Mobile Banking2

Once you enroll in Online Banking, you can conveniently check your finances or make payments on-the-go with our secure mobile app.

Kinecta Helps Members Get Back on Their Feet

We helped hundreds and hundreds of members through the recent COVID-19 crisis and we aren’t stopping now. We offer:

  • 0% emergency loans
  • Deferred payments for auto, home, and credit card loans
  • Assistance with the SBA Paycheck Protection Program
  • General assistance

Refinancing Now is a Smart Move3

If your mortgage rate is more than 4.5% APR*, now is the time to refinance and take advantage of historically low rates. Depending on your goals, you could:

  • Lower your monthly mortgage payment to improve cash flow
  • Use equity to pay off higher interest debt
  • Reduce the term of your mortgage, potentially saving you thousands over the life of your loan

Scams & Fraud – It Pays to Be Aware

Coronavirus Scams. There are always those who take advantage of people during times of crisis. Don't be a victim.

Unemployment, Direct Deposit, and SBA Loan Scams. If you receive unexpected funds in your account, do your homework before responding or spending. 

IRS & Social Security Scams. If someone calls and demands immediate action to avoid arrest or threatens adverse action, that’s a big red flag.

Banking Scams. If you receive an unexpected check, don’t cash it without doing your homework first. Beware of any requests to verify your account or card information.

Dating & Romance Scams. When your heart gets involved, sometimes it’s hard to think straight. But that’s precisely when you need to be most careful.

1ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP ATMs. Unaffiliated ATM owner/operators may assess a fee.

2Mobile banking. Message and data rates may apply.

3Mortgage refinance loans. Offered under Nationwide Multistate Licensing System (NMLS) #407870. Kinecta is an Equal Housing Lender.