LIMITED-TIME OFFER
Fixed returns. Zero heavy lifting.
3.60% APY* | 12-mo. jumbo promo cert.1
3.50% APY* | 12-mo. reg. promo cert.1
Offer ends February 17, 2026.
Don't miss out on these limited-time certificate offers.
Take advantage of our exclusive offer and enjoy the certainty that comes with fixed returns.
- Guaranteed savings with a fixed rate and term, so you know exactly how much you'll earn.
- Your deposit is safe and secure with federal insurance by the NCUA.
New to Kinecta?
Become a member and open your 12-Month Promotional Certificate online today.
Need more flexibility?
Check out our High Yield Savings2 account.
- Earn over 8x above the national savings average2
- Deposit or withdraw funds anytime
- Start saving with as little as $25
Need flexibility and returns on more cash?
See if a Signature Money Market3 is right for you.
- Competitive, tiered rates
- Deposit or withdraw anytime
- $10,000 minimum opening deposit
Frequently Asked Certificate Questions
A certificate is a savings tool that often pays higher rates when compared to a typical savings account. A certificate earns dividends at a fixed rate over a set period of time.
People who are looking to earn a greater return on their money.
The NCUA, or National Credit Union Administration, is an independent federal agency that insures deposits made to any federally insured credit union, such as Kinecta, up to $250,000 per share owner.
Yes, you are guaranteed the stated APY as long as the funds remain in the certificate for its entire term.
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 1/21/26 and may change without notice until the account is opened.
112-month promotional certificates: Offer available 1/21/2026 to 2/17/2026. 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. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate. Membership requirements apply.
2High Yield Savings: Dividends accrued daily and paid monthly. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.
3Signature Money Market: The minimum balance required to open account is $10,000. Dividend rate subject to change without notice after account opening. The minimum balance requirements applicable to each tier, corresponding dividend rates and minimum balances to earn the disclosed annual percentage yields appear on the Dividend Rate Sheet. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account.