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Let your savings shine.

3.75% APY* | 15-Mo. Jumbo Cert. ($100,000 min.)

3.50% APY* | 9-Mo. Liquid Cert. ($100 min.)

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    Don't miss out on these promotional certificate offers.

    Save smart with these exclusive offers.

    3.75% APY*

    15-Mo. Jumbo Certificate1

    $100,000 min. to open

    3.65% APY*

    15-Mo. Certificate1

    $100 min. to open

    3.50% APY*

    9-Mo. Liquid Certificate2

    $100 min. to open

    Grow your savings with confidence.
    • Boost your earning potential while keeping your savings safe from market ups and downs
    • Pick the certificate that fits your savings strategy — fixed or flexible
    • Open in minutes in online and mobile banking
    • Your deposit is safe and secure with NCUA federal insurance

    Open Account Book Appointment

    New to Kinecta?

    Become a member and open your promotional certificate online today.

    Become a MemberBook appointment

    Select the certificate that's best for your needs.

    Will you need access to your money before the certificate matures?

     If there's a chance you'll need your funds during the term, a liquid certificate may be the better choice. If you're comfortable leaving your money untouched, a fixed certificate could be a great fit.

    Are you saving for a specific goal or upcoming expense?

    If you're setting aside money for a future purchase, vacation, home project or other planned expense, a fixed certificate can help you stay on track while earning a guaranteed rate.

    How important is flexibility to you?

    If having access to your savings provides peace of mind, consider a liquid certificate. If maximizing your earnings is your priority, a fixed certificate may better align with your goals. 

    Need additional help deciding?

    Visit a branch or set an online appointment to speak with a member of our team.

    Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet. 

    *Annual Percentage Yield (APY) is accurate as of 7/17/2026 and may change without notice until the account is open. Membership requirements apply. Upon maturity, unless you provide alternative withdrawal instructions to deposit funds to a different share account, amounts on deposit in your non-IRA Promotional Certificate Account will be transferred to your Regular Share Account.

    115-month certificate: The minimum balance to open jumbo share certificate and obtain APY is $100,000. The minimum balance to open regular share certificate and obtain APY is $100. A certificate is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings.

    29-month liquid certificate: The minimum balance to open and maintain share certificate and obtain APY is $100. Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties.