Get continuous growth.
Earn up to 5.00% APY* with a High Yield Savings.
Start with as little as $25
Boost your savings without sacrificing flexibility.
With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime.
- Start saving with as little as $25
- Competitive, tiered rates
- Deposit or withdraw funds anytime
- No min. balance or monthly service fee
- Dividends paid monthly
- 24/7 digital banking access
Earn over 8x above the national savings average1.
Our High Yield Savings1 offers tiered rates as high as 5.00% APY*
5.00% APY*
$0 ‑ $499.99
3.00% APY*
$500 ‑ $49,999
2.75% APY*
$50,000 ‑ $99,999
0.05% APY*
$100,000 +
New to Kinecta?
Become a member to open a High Yield Savings online today.
Interested in a fixed-term?
Check out our limited-time promotional certificate2 offers.
- Higher dividends on larger balances than a liquid savings
- Funds locked for a set term
- Deposit as little as $100
Looking for bigger earnings on higher balances?
Our Signature Money Market3 offers higher dividends on balances $100,000+.
- Competitive, rates
- No monthly service fee
- Dividends paid monthly
Frequently Asked High Yield Saving Questions
A high yield savings account is a liquid savings account offering tiered rates that determine how much dividends you earn, based on your account balance.
People who want to maximize interest on their savings, while maintaining access to their funds to withdraw without penalty.
A high yield savings account can be a great addition to your savings portfolio. It provides penalty-free access to your funds anytime, while offering the highest yield of our non-certificate options. It’s a great place to deposit funds that you may have plans for in the near term or that you’d like to have access to in the event of an emergency. Certificates on the other hand, provide competitive rates for a fixed period of time. With a certificate, you may incur a penalty if you need to make a withdrawal before the maturity date.
Yes, our high yield savings is considered a money market account due to the tiered rate structure. Unlike money market accounts at many other financial institutions, our high yield savings has the benefit of a low minimum opening deposit ($25), no minimum balance requirement and no monthly service fee. Although check-writing capabilities are not available, you do have access to withdraw or transfer your funds at any time.
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.
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 11/18/25 and may change without notice until the account is opened.
1High Yield Savings: Dividends accrued daily and paid monthly. "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.
2Promotional Certificate: Minimum balance to open regular share certificate and obtain APY is $100. The minimum balance to open jumbo share certificate and obtain APY is $100,000. 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, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
3Signature Money Market: The minimum balance required to open account is $10,000. Dividend rate subject to change without notice after account opening. The minimum balance requirements applicable to each tier, corresponding dividend rates and minimum balances to earn the disclosed annual percentage yields appear on the Dividend Rate Sheet. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account.