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. 

"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.

^*Annual Percentage Yield (APY)  is accurate as of 4/15/25 and may change without notice until the account is opened.

9-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.

13-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.

¹ProtectPlus benefits are available only under the same membership. Estimated 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.

³ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.

⁴Cash back. Earn 3% on gas  and 2% on groceries. Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments. Relationship bonus. Paid as a statement credit and is non-transferable. The Relationship Bonus is applied toward Cash Back Rewards earned from the date the account is opened. Relationship Bonus is paid on anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example: Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward of $273.60. For more details about the Cash Back Reward Program, click here.

⁵Home Equity Line of Credit with Intro. Rate. APR = Annual Percentage Rate. Rates are subject to change. Subject to credit approval. Membership requirements apply. Requires minimum initial draw of $25,000 (or $25,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the “index”) plus a margin. This rate may vary with changes in the Prime Rate. As of 09/01/2023 Prime Rate is 8.500%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. Combined loan to value (CLTV) up to 80%. The minimum credit limit and loan amount is $25,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $395 loan processing fee waived if (1) automatic payment plan from a Kinecta account is set up at closing; and (2) not replacing an existing Kinecta home equity loan originated in prior 12 months. Kinecta mortgage loans are offered under Nationwide Multistate Licensing System (NMLS) #407870.

⁶The incentive will be paid by Kinecta Federal Credit Union and given to individuals who open an investment relationship with Kinecta Wealth Management between February 17, 2025 and April 18, 2025.  A $100 Vanilla Visa® electronic gift card will be given for a transfer of $50,000.00 to $149,999.00, a $150 Vanilla Visa® electronic gift card will be given for a $150,000.00 to $249,999.00 transfer, and a  $250 Vanilla Visa® electronic gift card will be given for a $250,000.00 or more transfer into a new account. A non-refundable transfer fee may apply if moving funds from another investment firm. This offer is non-transferable. Limit of one gift card per client. Visa is a registered trademark of Visa, U.S.A. Inc. Void where prohibited. A gift card will be awarded no later than 45 days after the account is funded. Offer expires April 18, 2025. Additional terms and conditions may apply. The bonus may be subject to IRA tax reporting. Member may receive a 1099 Form from Kinecta for the Bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional. We have a partnership with Ameriprise Financial Services to provide financial planning services and solutions to our clients. We are not an investment client of Ameriprise, but we have a revenue sharing relationship with them that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

The financial institution and Ameriprise Financial, Inc. are not affiliated.

Kinecta Wealth Management is a financial advisory practice of Ameriprise Financial Services, LLC.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

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^®.