Certificates
If you don't need access to your funds for 90 days or more, you can earn even higher returns with one of our certificates.
Secure your future with savings and certificates.
Kinecta members: book an appointment to open a savings account or certificate.
Today's Rates
Ways to Save
Certificates
Would you like to earn higher rates on money you may not need right away? Most banks offer certificates, but with Kinecta, you can earn dividends well above national averages. Because we’re insured by the NCUA, certificates are considered low-risk investments.
Kinecta members: book an appointment to open a certificate.
Choose A Certificate That's Right for You
High-Yield Money Market5
Watch your money grow by earning higher dividends on larger balances with this tiered rate account.
- Competitive rate
- No monthly minimum balance fee
- Easy access
Kinecta members: book an appointment to open a money market account.
Traditional Savings Account
- Open yours with a $5 minimum deposit
- Deposit or withdraw money any time
- Dividends credited quarterly
- Receive 24/7 phone and online banking account access
Kinecta members: book an appointment to open a savings account.
Health Savings Accounts (HSA)6
Reduce your current tax liability while also watching your earnings grow on a tax-deferred basis to pay for qualified medical expenses. Members enrolled in an HSA-eligible high deductible health plan qualify.
- $0 minimum opening deposit
- No monthly maintenance fee
- Available for Single (annual contribution $3,850) and Family (annual contribution $7,750) accounts, contributions after age 55 increase by $1,000 for both account types
- Free HSA debit card (plus extra cards for authorized users of a Family Plan)
- No expiration on funds, this is a key differentiator from a flexible spending account
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.)
Schedule a virtual appointment to learn about our savings options.
Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency
*APY = Annual Percentage Yield. This is Kinecta’s most recent published rate.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
1Regular Term Share Certificates. $100 minimum opening balance required. Terms from 90 days to 5 years, and penalties apply for early withdrawal. Dividends accrued monthly and paid at maturity. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
2Jumbo Share Certificates. $100,000 minimum opening balance required. Terms from 90 days to 5 years, and penalties apply for early withdrawal. Dividends accrued monthly and paid at maturity. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
3Liquid Share Certificates. $100 minimum balance required. Liquid Share Certificates allow for penalty-free withdrawals of up to 50% of the start of day balance as of 12:00 AM on a daily basis. Withdrawals exceeding 50% of the start of day balance are subject to penalties. Fees may reduce earnings. Additional deposits are permitted at any time prior to maturity. 12-month term.
4College Saver Share Certificates. Available only to members under the age of eighteen (18). The dividend rate and annual percentage yield may change monthly. Dividend rate will be the same as paid on a two (2) year Regular Term Share Certificate (rate in effect on the last day of the previous month) if account balance is below $4,000 or account is less than four (4) years old on the date of the rate change. If the account balance is at least $4,000 and has been opened for at least four (4) years on the date rates change, the rate will be the two (2) year Regular Term Share Certificate Account rate plus ten (10) basis points (0.10%) effective the last day of the previous month.
College Saver certificates mature on the date of your eighteenth (18th) birthday and cannot be renewed. Upon maturity, amounts on deposit in your College Saver Share Certificate Account will be transferred to your Regular Share Account unless otherwise directed.
5High-Yield Money Market. Dividends accrued daily and paid monthly. High-Yield Money Market account is not available for overdraft protection.
6Health Savings Account. Contact a qualified tax professional. For more information, see the HSA Custodial Application.