LIMITED-TIME OFFER
Earn more without losing access.
9-Month Liquid Certificate at 3.55% APY*
$100 min. | Additional deposits allowed | Penalty-free withdrawalsOffer ends May 18, 2026.
Don't miss out on this limited-time certificate offer.
Save smart while staying flexible with this exclusive offer.
3.55% APY*
9-Mo. Liquid Certificate1
$100 min. to open.
Savings With Built-In Flexibility
- Make additional deposits at any time prior to maturity
- Penalty-free withdrawals of up to 50% of starting balance as of 12 a.m. daily
- 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 Liquid Certificate or Certificate online today.
Frequently Asked Certificate Questions
A liquid certificate is a savings option that offers a competitive fixed rate while still giving you access to your funds. Unlike traditional certificates, it allows limited withdrawals during the term without penalties.
A liquid certificate combines the benefit of a fixed rate with added flexibility. While traditional certificates typically require funds to remain untouched for the full term, this option allows you to access a portion of your balance without penalty.
Yes. You can withdraw up to 50% of your account balance (based on the start-of-day balance) without penalty. Withdrawals exceeding this amount may be subject to an early withdrawal penalty.
Yes. Additional deposits are allowed at any time during the term prior to maturity.
This account is ideal for members who want to earn a higher return than a traditional savings account, while still maintaining some access to their funds during the term.
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. Your rate is fixed for the full 9-month term, and you will earn the stated APY as long as the funds remain in the certificate, subject to any applicable withdrawal conditions.
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 4/21/26 and may change without notice until the account is opened.
19-month liquid promo. certificate: Offer available 4/21/2026 to 5/18/2026. 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. At maturity, promotional certificate will not renew, and funds will be transferred into a share account designated by you at account opening.