Kinecta Federal Credit Union
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Kinecta Rates
Rates shown below are those in effect as of , and may be subject to change at any time.

Checking Rates

Dividend Yields are Determined by the Board of Directors.

Description Rate APY
Premiere Checking** 0.050% 0.05%
Checking Plus    
Over $50,000 0.050% 0.05%
$25,000 to $49,999 0.050% 0.05%
$5,000 to $24,999 0.050% 0.05%
$1,000 to $4,999 0.050% 0.05%
Checking Plus - under $1,000 0.050% 0.05%

** Premiere Checking no longer available

($100 minimum to open) Funds earn dividends for each day they are on deposit.
Dividends are paid on the last day of the month. (Fees incurred may reduce earnings) 

NOTICE: Dividends for all accounts listed above are based on the Credit Unions earnings at the end of a dividend period and thus cannot be guaranteed. To obtain the most current rates contact 800.854.9846.

*APY= Annual Percentage Yield. The approximate Annual Percentage Yield is indicated for the initial period and is given for comparative purposes only. The actual percentage yield is dependent upon a number of variable factors such as: type of account rate, term, etc. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. There may be a penalty for early withdrawal of IRA funds. Fees incurred may reduce earnings on any of these accounts. NCUA Your savings are federally insured to $250,000 by the National Credit Union Administration, a U.S. Government agency.



The unlimited share/deposit insurance coverage on non-interest-bearing transaction accounts expired on December 31, 2012. 

As of January 1, 2013, insurance coverage on non-interest-bearing transaction accounts has returned to the permanent level of up to $250,000. Non-interest-bearing transaction accounts are subject to the same insurance coverage levels as all other share accounts in a credit union. 

The term "non-interest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividend, a negotiable order of withdrawal ("NOW") account, money-market deposit account and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account