*Annual percentage yields (APY) are accurate as of effective date above.

All certificates: The minimum balance to open share certificates and obtain APY is $100. 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 and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate. For complete account terms and conditions refer to the Agreements and Disclosures booklet.

¹6-month promotional certificate:  Offer available 10/28/2025 to 11/17/2025. The minimum balance to open share certificate and obtain APY is $100. The minimum balance to open a 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, this promotional certificate will automatically renew into the non-promotional 6 Month term share certificate unless directed otherwise.

²12-month liquid certificate:  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.

²College Saver: Member must be under the age of eighteen (18) to open. Dividend rate and APY may change monthly and is equal to 2-Year Share  Certificate (rate in effect on the last day of the previous month). Additional deposits are permitted at any time prior to maturity. Account will mature on the date of member’s eighteenth (18th) birthday and cannot be renewed.

Membership required.

¹APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

¹APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

Dividends accrued daily and paid monthly. 

¹APY = annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

Dividends paid quarterly.

If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.

¹APY = annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

$100 minimum balances required. No additional deposits accepted during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings.

¹APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

¹Annual Percentage Rate (APR). All loans subject to credit approval. Rates effective per date listed at top of table. 

The actual rate you receive is determined by a combination of factors, including credit qualifications, loan amount, collateral, down payment and terms. Rate includes a .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement. Rates and terms and conditions are subject to change. The value of new vehicles is determined by MSRP, and the value of used vehicles is determined by Retail Kelley Blue Book.

¹APR = Annual Percentage Rate. APRs for Purchase, Cash Advances, and Balance Transfers may vary and are subject to change without notice. The credit card rates information is accurate as of the effective date of publication. Rates effective per date listed at top of table. 

 Credit card approval depends on creditworthiness and other qualifications. 

²MyPerks, MyPower and MyPlan Terms & Conditions - click here. 

³MyPro Terms & Conditions - click here.

APR = Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate.  Rate and APR may vary and are subject to change based on several factors, including, but not limited to, loan amount, loan program, occupancy, property type, loan to value, credit score, creditworthiness, qualification, and collateral conditions.  Your rate and APR may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.  

All applications are subject to approval. Rate, terms, and conditions are subject to change and may vary based on credit worthiness, income qualification, and collateral conditions.  Loan secured by a lien against your property. Maximum combined-loan-to-value (CLTV) may not exceed 85%.  An appraisal is required if loan amount is equal to or greater than $400,000 or with if CLTV is greater than 80% or if property value exceeds $2 million and CLTV equal to or greater than 50%.  Available for primary residences only.  Proof of homeowner’s property insurance is required, and flood insurance may be required if applicable.  Mortgage loans may not be available in all areas. 

¹Home Equity Line of Credit (HELOC) with Introductory (Intro) Rate. Requires minimum initial draw of $25,000 (or $25,000 plus any balance on existing Kinecta home equity loan) at time of closing. This is a variable-rate line of credit. The APR is based upon The Wall Street Journal Prime Rate index plus a margin. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial discounted rate that will be in effect for 6 months.  Your rate may increase, or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan.  The rate and APR range is 4% minimum to 18% maximum. As of 10/30/2025 Prime Rate is 7.000%.  This program includes a 10-year draw period followed by a 20-year repayment period.  The minimum loan limit is $25,000 and the maximum loan limit is $500,000.  Early termination fee (as allowed by subject property state) of $995 if HELOC is terminated/closed within 36 months of opening. HELOC not available in Texas. 

²Home Equity Line of Credit (HELOC). No initial draw at closing required. This is a variable-rate line of credit. The APR is based upon The Wall Street Journal Prime Rate index plus a margin. The initial APR is based on the current index and margin. Your rate may increase, or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan.  The rate and APR range is 4% minimum to 18% maximum. As of 10/30/2025 Prime Rate is 7.000%.  This program includes a 10-year draw period followed by a 20-year repayment period.  The minimum loan limit is $20,000 and the maximum loan limit is $500,000.  Early termination fee (as allowed by subject property state) of $995 if HELOC is terminated/closed within 36 months of opening. HELOC not available in Texas. 

³Equity Fixed Rate Loan. This is a fixed-rate loan. The full loan amount is funded at origination. The minimum loan amount is $20,000 and the maximum loan amount is $500,000.  

Important Information. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on credit worthiness, income qualification, and collateral conditions.  Loan secured by a lien against your property. Maximum combined-loan-to-value (CLTV) may not exceed 85%.  An appraisal paid by you is required if loan amount is equal to or greater than $400,000 or with if CLTV is greater than 80% or if property value exceeds $2 million and CLTV equal to or greater than 50%.  Appraisal fees vary and range from $550 to $850 although may be more based on location or complexity of the property.  Available for primary residences only.  Proof of homeowner’s property insurance is required, and flood insurance may be required if applicable.  Subject to Loan Processing fee of $195.

¹APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.

²Personal Loan - Subject to credit approval. Lowest rate shown includes a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated. Rates, loan amounts, and terms are based on standard underwriting factors. Minimum repayment term is 12 months, maximum repayment term is 84 months. Maximum repayment term dependent on loan amount. Maximum loan amount is $50,000.00. Monthly payment per $1,000 borrowed at 10.74% APR (after automatic payment discount applied) over a term of 12 months is estimated to be $88.27, over a term of 84 months is estimated to be $16.99.

³Personal Line of Credit - Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum line amount is $50,000.00. Variable APR based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate.