Savings

Certificates

Your savings aspirations deserve a boost.

Regular Certificates

  • Longer terms generally earn higher yields
  • Flexibility to choose terms from 90 days to 5 years
  • Withdraw dividends without penalty¬†
  • Borrow against your funds with a Certificate Loan

Jumbo Certificates

  • Open your Jumbo Certificate with a $100,000 minimum deposit
  • Flexibility to choose terms from 90 days to 5 years
  • Withdraw dividends without penalty
  • Borrow against your funds with a Certificate Loan

Liquid Certificates1

(formerly known as Access Plus Share Certificate)

A unique share certificate that provides you access to your money.

  • Penalty-FREE withdrawals
  • Unlimited deposits
  • 12-month term with guaranteed rate

College Saver Certificate

The dream of a higher education starts with the seed of saving today.
Members up to 18 years of age can open one with as little as $200!
Stop by your nearest branch or call us at 800.854.9846


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800.854.9846


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View our current rates


*APY = Annual Percentage Yield.

Rates and terms are accurate as of 1/16/2020 and are subject to change. Membership requirements and certain restrictions apply.

1Liquid Certificate and Regular Certificates require $1,000 minimum balance. Jumbo Certificates require $100,000 minimum balance. Offers may be modified or canceled by Kinecta at any time. Offers may be combined with VIP rate bonus offer, and are not valid with any other offer or promotion. Refer to the current Agreement & Disclosure booklet for complete terms and conditions regarding all certificates. Institutional funds are not eligible for these offers. Unless you indicate otherwise, at the time of maturity the certificate will be renewed at like-term if available at the then-current rate in effect. No additional deposits accepted during certificate term. There is a penalty for early withdrawal. Fees and other conditions may reduce earnings. IRA certificates not applicable.

2Minimum balance required to open account is $10,000. Minimum balance required to earn APY is: $10,000 - $49,999= 0.05% APY; $50,000-$99,999= 1.00% APY; $100,000-$249,999= 2.00% APY; $250,000 and above = 2.00% APY. Tiered rate dividends paid starting at $2,500. Fees may reduce earnings. Dividends accrue daily, paid monthly. High-Yield Money Market account is not available for overdraft protection access.

3There is no monthly minimum balance fee however, there is a limit of six (6) withdrawals or transfers per month. Certain withdrawals or transfers in excess of these limitations may be subject to a $10 excessive transaction fee and converted to a regular savings account. Rates are subject to change after account is opened.