Certificates in lofty or liquid.
9-mo. liquid cert. at 4.250% APY*
13-Month Regular Certificate1
4.250% APY*
$100 minimum to open | New money required
9-Month Liquid Certificate2
4.250% APY*
Unlimited deposits | Penalty-free withdrawals
$10K minimum to open | New money required
30-Month Regular Certificate1
3.500% APY*
$100 minimum to open | New money required
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Additional Certificates Available
3-Month Jumbo Certificate
3.750% APY*
$100K minimum to open
6-Month Jumbo Certificate
3.500% APY*
$100K minimum to open
3-Month Regular Certificate
3.500% APY*
$100 minimum to open
6-Month Regular Certificate
3.250% APY*
$100 minimum to open
OPEN ACCOUNTBook appointment
Already a member? Open new accounts in online banking or the app.
Kinecta certificates offer certainty in an uncertain market.
What is a certificate?
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.
Who is it for?
People who are looking to earn a greater return on their money.
How am I protected?
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.
Is the return guaranteed?
Yes, you are guaranteed the stated APY as long as the funds remain in the certificate for its entire term.
Start earning 4.250% APY* with a 13-month certificate2 today.
Membership requirements apply.
*Annual percentage yield (APY) is accurate as of 1/07/2025.
113-month and 30-month regular certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $100. This 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.
29-month liquid certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $10,000. 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. At maturity, certificate will automatically renew to a 12-month Liquid Certificate.
3-month certificate: The minimum balance to open share certificate and obtain APY of 3.750% is $100,000. APY of 3.500% available with $100 minimum opening balance. 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. For complete account terms and conditions refer to the Agreements and Disclosures booklet. Membership required.
6-month certificate: The minimum balance to open share certificate and obtain APY is 3.500% $100,000. APY of 3.250% available with $100 minimum opening balance. 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. For complete account terms and conditions refer to the Agreements and Disclosures booklet. Membership required.