Discover Kinecta

Join Kinecta

Make more. Save more. Make sense?

By joining Kinecta, you'll be much more than a customer - you'll be a member-owner. We'll work for you to provide a superior financial services experience that you simply don't expect from a bank.

Becoming a member is easy. Join today and experience the difference banking local makes!

Apply Online for Membership

Why Kinecta


We're Member-Owned. It’s much more than being a customer, there’s a big difference.


We're not-for-profit, and you'll see that in the form of great rates on loans and savings.


We reinvest time and money in the communities where our member-owners live and work.


Access your account at over 30,000 surcharge-free ATMs and 5,000 shared credit union branches.

Member Benefits

As a member-owner, you will also enjoy access to exclusive benefits, including competitive rates and fees, shopping discounts, financial education and discounted tickets to sporting events.

Made for members, not for profit

Made for Members,
not for profit

Our members' financial well-being is our passion, which helps us focus on our priority... you.

Exclusive shopping discounts

Shopping Discounts

Kinecta has partnered with local companies to provide you exclusive member offers and access to discounted tickets at many of your favorite theme parks.

Official Credit Union of the LA Galaxy

LA Galaxy
Official Sponsor

As the Official Credit Union of the LA Galaxy, our members enjoy exclusive discount tickets and fan experiences.

Online Financial Education

Financial Education

We care about your financial well-being. Our online Financial Education courses will help provide guidance on saving, planning and ensuring a bright financial future.

Frequently Asked Questions

Kinecta membership is open to:

  • Any immediate family or household member of a Kinecta member
  • Any Select Employer Group (SEG) employee and their immediate family and household members
  • Any member of the Consumers Cooperative Society of Santa Monica (Santa Monica Co-op) - requires $10 nonrefundable membership fee to Santa Monica Co-op
    • Santa Monica Co-op Application - In addition to the one-time nonrefundable $10 fee for Santa Monica Co-op, a standard Membership Application fee $5.00 will be charged as well.
  • Anyone who lives, works, worships or attends schools in select zip codes of Anaheim, Lancaster, Rialto, Santa Ana and the Greater Los Angeles Area. (Not all zip codes apply)

Online Application

  • 18 Years or older with valid Social Security Number
  • Valid US Government ID
    • State Issued Drivers License
    • State Issued Identification Card
    • U.S. Passport
    • Alien Registration Card
    • Government Issued Employment Authorization Card
    • Military ID
  • Ability to provide contact, residency and occupation information.
  • Ability to provide ACH/check or money order for funding your new account.

In-Person Application

Primary ID

This ID must include the current legal name.

  • State Issued Drivers License
  • State Issued Identification Card
  • U.S. Passport
  • Alien Registration Card
  • Government Issued Employment Authorization Card
  • Military ID
Secondary ID

You must bring this along with the Primary ID and Proof of Residence (if applicable).

  • Signed, unexpired credit card
  • Employment/Work ID
  • Military ID
  • Medicare or Medicaid Card
  • School Identification Card
  • Current Utility Bill
  • Another form of the Primary ID
Proof of Residence

If your Primary ID does not show your current residence, please bring one of the following items:

  • Current Utility Bill:
    • Electric bill
    • Water bill
    • Natural gas bill
    • Home (land-line) telephone bill
    • Cable/Satellite bill
  • Vehicle registration
  • Credit Card statement
  • Property tax bill (declaration page)
  • Pay stub
  • Voter registration
  • Mortgage statement (declaration page)
  • Insurance bills:
    • Auto insurance
    • Home insurance
    • Renters insurance

Enjoy a complete range of financial services and products, plus the personalized attention and service our Credit Union members have enjoyed for years. Open a Kinecta savings account with just a $5 deposit - and you're a Kinecta member for life.

Apply Online for Membership

You can also open your membership at any of our Member Service Centers.

We are proud to be South Bay's Best Credit Union

South Bay's Best 2018
South Bay's Best 2017
South Bay's Best 2016
South Bay's Best 2015
South Bay's Best 2014

South Bay's Best 2013
South Bay's Best 2012
South Bay's Best 2011
Advisory HQ - One of America's Best Credit Unions