Transfer your high-rate balances and save†.
Open a new MyPower Mastercard®
No Balance Transfer Fee | Low Intro Rate
No Balance Transfer Fee | Low Intro Rate
Start sending money with Zelle®
Zelle® is fast, easy and free in the Kinecta mobile banking app
Tap into your home’s equity.
Debt Consolidation | Educational Expenses | Home Improvement
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.
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
A message from Keith Sultemeier, President and Chief Executive Officer
Kinecta's President & CEO shares advice on how you can protect yourself from fraud and scams.
Using Zelle® Safely — Pay it Safe
Only use Zelle® with people you trust, and always make sure you are using the correct mobile number or email address.
Kinecta Distributes 1,000 Backpacks at its 14th Annual Backpack Drive
To help students prepare for the 2023-2024 school year, Kinecta Federal Credit Union hosted its 14th Annual Back-to-School Backpack Drive.
*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.