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Checking & Savings

We're just like the big banks – but we typically exceed member expectations with higher deposit dividend rates, low or no fees, and personalized, friendly service. With balances NCUA-insured up to $250,000, your funds are safe with us.


Enjoy higher returns with a variety of term lengths and options


From a Roth to a rollover, Kinecta and your tax advisor can show you the benefits of an individual retirement solution

Remote Deposits2 are a Snap with Our Mobile App

There's no need to visit a branch or ATM to make a deposit. Simply:

  • Choose your checking or savings account
  • Enter the deposit amount
  • Take a photo of the front and back of your check and follow the on-screen instructions
  • Push "Submit", and you're done!

Purple and White Debit cardMasterCard® Debit Card

Tap, dip, swipe. Our debit card is available when you open any checking account. With security features and new chip technology, it’s the easy, reliable way to make purchases, pay bills, and conduct ATM transactions.

Debit Card Information

Let's Connect

Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!

800.854.9846 Monday to Friday: 5am - 6pm Pacific, Saturday: 6am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency.

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

*APY = Annual Percentage Yield is variable and subject to change. This is Kinecta’s most recent published rate.

1High-Yield Money Market. $10,000 minimum opening balance required. Tiered rate dividends paid starting at $2,500. Dividends accrued daily and paid monthly. High-Yield Money Market account is not available for overdraft protection.

2Remote Deposit Agreement. Click here. Data and carrier charges may apply for standard mobile accessibility, but there is no additional fee for Kinecta Mobile.

ATM fees No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

Mobile banking. Message and data rates may apply.

All third-party trademarks referenced herein are the property of their respective owners.

Mastercard and the Mastercard brand are registered trademarks.