Santa Monica Grand Opening - Refer a Friend Terms & Conditions

Membership requirements apply. Refer to the Agreements & Disclosures booklet for terms and conditions applicable to specific accounts.

*Referral Bonus. Gift and bonus offer is effective 4/24/2026 - 4/25/2026 and subject to change without notice. Offer cannot be combined with any other promotional offers. Gift and bonus earned through this promotion are subject to IRS reporting. New membership must be opened in person by visiting Kinecta Santa Monica. Must be 18 years of age or older to qualify.

Terms for current Kinecta member (referrer) Stanley tumbler (approx. retail value $45.00) gift: Refer friends and family to open a new membership and qualifying products to earn a Stanley tumbler for each individual referral through the duration of the promotion. Stanley tumbler will be gifted instantly after verifying new membership and qualifying products are opened and funded by each new member (referred person(s)). Referrer must be a current Kinecta member and in good standing at the time each referred person’s new membership and qualifying products are opened and funded. In order to qualify and receive Stanley tumbler gift, referrer’s membership must be in good standing with deposit balances above zero dollars, all existing loan payments current, and meeting terms and conditions described in Agreements & Disclosures booklet. Existing members and new share accounts opened by existing members do not qualify under the terms of this referral bonus and gift offer. Qualified member will be notified by phone and email and must pick up Stanley tumbler at Kinecta Santa Monica within 7 business days of notification.

Terms for New Member (referred person) Bonus: Referred person (friend or family) must not be a current Kinecta member or had a membership closed in the past 12 months. Bonus will be credited into qualifying account when the following requirements are met: 1. Open a Regular Share Savings account and Kinecta will deposit $5. 2. Open qualifying account (High Yield Savings or ProtectPlus) on the same day with a minimum opening deposit of $25. Bonus of $50 will be credited immediately following opening of new membership and funding of qualifying accounts with minimum opening deposits. New member may only receive one bonus regardless of the number of accounts or memberships opened. PRIVACY NOTICE EXISTING MEMBER: You consent to Kinecta Federal Credit Union disclosing to the person(s) you referred that you are a Kinecta Federal Credit Union member for the purposes of confirming referral eligibility.

Kinecta Federal Credit Union and Stanley are not affiliated.

Federally insured by NCUA.