Regular Certificate3
If you don’t need access to your funds for 90 days or more, consider a certificate with an opening deposit of $100.
4.250% APY*
for 13 months
Select the checking account that’s right for you.
With features like Early Payday2 and our versatile mobile app, it’s all about convenience.
Our certificates grow your savings with competitive returns.
Experience savings on your terms with diverse certificate options designed to meet your needs.
Liquid Certificate4
Deposit money at any time, and withdraw up to half your account balance penalty-free for easy access to your funds.
4.250% APY*
for 9 months
Jumbo Certificate5
For certificates opened with $100K or more, you may be able to earn even higher dividends.
3.750% APY*
for 3 months
Regular Certificate3
If you don’t need access to your funds for 90 days or more, consider a certificate with an opening deposit of $100.
3.500% APY*
for 30 months
High Yield Savings
Maximize earnings while maintaining access to your funds.
- Deposit or withdraw as needed
- No monthly service fee
- Dividends paid monthly
Money Market
Larger balances earn higher dividends with this tiered-rate account.
- Competitive rates
- No minimum balance required
- Dividends paid monthly
Traditional Savings
Savings made easy! Deposit or withdraw anytime.
- Only a $5 deposit is required to open your account
- 24/7 banking access via our mobile app
- Dividends credited quarterly
- 0.050% APY*
24/7 banking at your fingertips
Use the Kinecta mobile banking app for an easy, secure way to check account balances, complete transactions and more.
Mobile deposits
There’s no need to visit a branch or ATM to make a deposit — simply take a picture on the app.
Account balances and transactions
Stay in control of your finances with quick account access and recent transaction history.
Live support
Access live chat, send a secure message or schedule an appointment.
Zelle® network member
A fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank6.
Checking & Savings FAQs
How do I open a checking or savings account with Kinecta?
1. Open online: https://kinecta.myori.com/app/oao/membership
2. Book a virtual appointment to speak with us about your options: https://www.kinecta.org/virtual-appointment
3. Visit us in person. Find a branch near you at: https://www.kinecta.org/locations
For existing Kinecta members, you can open a new account through your online banking profile by logging in and clicking “Open New Account.”
What are the differences between a checking and savings account?
Checking accounts are designed for easy access to your funds, and some checking accounts, like ProtectPlusTM, pay dividends.
Savings accounts earn dividends and are there to help you achieve a financial goal.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
"National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.
High yield savings account, Money Market. Dividends accrued daily and paid monthly.
*Annual Percentage Yield (APY) is accurate as of 4/15/25 and may change without notice until the account is opened.
1ProtectPlus benefits are available only under the same membership. Estimated savings value is based on approximate monthly cost or savings for similar marketplace benefits and is subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through ProtectPlus. No cash value is implied with the use of this account or any of its features. ProtectPlus Checking accounts are dividend-bearing accounts. For the current dividends and corresponding Annual Percentage Yield (APY), refer to the Dividend Rate Sheet. Only one (1) Non-Sufficient Funds (NSF) fee and one (1) Domestic Wire fee may be waived monthly. An NSF fee is assessed for item(s) returned unpaid due to insufficient/uncollected funds including, but not limited to checks and Automated Clearing House (ACH) transactions (per presentment). New or renewing certificates are eligible for a rate increase, excluding all other promotions including, but not limited to, promotional certificates. ProtectPlus benefits cannot be combined with other relationship benefits and benefits do not roll over. Refer to Kinecta Federal Credit Union’s Agreements and Disclosures booklet and Consumer Schedule of Fees and Charges for additional terms and conditions such as fees, payment of dividends and other details applicable to your specific account. Terms and conditions subject to change. See checking page (link: kinecta.org/checking) for more details on ProtectPlus benefits
2Early payday. Access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to two days earlier than the effective payroll payment date.
313-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.
49-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.
53-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.
6U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. At Kinecta, Zelle® is available to primary account holders of consumer checking accounts. Joint account holders are not supported at this time. Members must be 18 years of age or older. U.S. mobile number required. All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. Kinecta IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle®.