Ready to boost your savings?
Don't miss out on these promotional certificate offers.
Save smart with these exclusive offers.
18-Mo. Certificate1
4.50%APY*
$100,000 min. to open
4.35%APY*
$100 min. to open
9-Mo. Certificate1
4.00%APY*
$100,000 min. to open
3.85%APY*
$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
- Open in minutes in online and mobile banking
- Your deposit is safe and secure with NCUA federal insurance
New to Kinecta?
Become a member and open your promotional certificate online today.
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 9/22/2026 and may change without notice until the account is open.
1Promotional certificates: 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.
9-Month & 18-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.