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MyPerks Reward Credit Card

•0% balance transfer promotional offer1
•Earn up to 3% cash back2
•No annual fee

Branch & ATM Network3

Access over 85,000 surcarge-free ATMs and over 5,800 shared credit union branches.

Online Banking & Bill Pay

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

Mobile Banking4

Enroll in online banking to check your accounts or make payments on-the-go with our highly rated mobile app.

Exclusive Offer for Members Only

Get your credit limit in a single click!

Curious as to how much credit you could qualify for, but afraid a hard credit pull could negatively impact your credit score5? Fear no more!

Kinecta gives you the ability to find out instantly if you qualify for a personal loan or credit card and the amount of credit you could receive - in one click of The Button.

Scams & Fraud – It Pays to Be Aware

Banking & Phishing Scams. Beware of any requests to verify your account or card information.

Coronavirus Scams. Fraudsters 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.

Dating & Romance Scams. When your heart gets involved, be careful.

1Balance Transfer Offer. In order to receive the introductory rate of 0.00% 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. A 3% balance transfer fee (minimum $10) will be added to your minimum payment due at the first billing cycle. 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.

2Earn 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.

3ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

4Mobile banking. Message and data rates may apply.

5The Button. In order to provide you with a range of rates you prequalify for, Rate Reset will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Rate Reset will perform a hard credit inquiry.