SAVINGS ACCOUNTS

Savings Accounts

Simple and affordable savings.


Whether you choose a Savings Account, Money Market Account, or Share Certificate, you’ll get competetive dividends and flexible terms at Kinecta.


Savings Accounts

  • Establish your membership with a $5 minimum deposit
  • Deposit or withdraw money any time
  • Get 24/7 phone and online banking account access
  • Dividends are credited quarterly
  • Borrow against your account balance – up to 100% of your funds*

Savings Bonds

A great way for credit union members to put money away for the future! Series EE and I Savings Bonds can be purchased and redeemed from Kinecta Federal Credit Union.

Stop by your nearest Member Service Center or call us at 800.854.9846.

*Certain restrictions apply

IRA Accounts

If you're considering a retirement savings plan, we're sure to have an IRA just right for you!

Types of IRAs available
  • Traditional IRA – Contributory, Transfer, Rollover, Conduit and Spousal plans
  • Roth IRA – Contributory, Conversions from Traditional IRAs, Transfer and Rollover plans
IRA features
  • Low minimum balance of $1,000 required -- less if it's contributory!
  • You may be eligible to receive tax advantages* with rollover, transfer, or contributory IRA Share Certificates
  • Insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency

*Consult your tax advisor

Share Certificates

Higher dividend rates with flexible terms.
  • Higher balances generally earn higher yields
  • Flexibility to choose terms from 90 days to 5 years
  • Withdraw dividends without penalty**
  • Borrow against your funds with a Certificate Loan*
Jumbo Share Certificates
  • Open your Jumbo Certificate with a $100,000 minimum deposit
  • Flexibility to choose terms from 90 days to 5 years
  • Withdraw dividends without penalty**
  • Borrow against your funds with a Certificate Loan*
Access Plus Share Certificate
A unique share certificate that provides you access to your money.
  • Penalty-FREE withdrawals
  • Unlimited deposits
  • 12-month term with guaranteed rate
College Saver Certificate
Want a great way to help save for your education or that of your children or grandchildren?**
Members up to 18 years of age can open one with as little as $200! Open yours today!
Stop by your nearest Member Service Center or call us at 800.854.9846

*Certain restrictions apply.
**Penalty for early withdrawal of principal may apply.

Money Market Accounts

Enjoy competitive dividend rates on high balance liquid accounts. Our variable rate savings account allows you to earn a high rate – and have access to your money when you need it.

Money Market Savings

  • Open your account with a minimum $2,500 deposit
  • Maximize earnings with Direct Deposit of your paycheck, payroll deductions, or periodic transfers
  • Dividends are credited monthly
     

Money Market Checking

  • The benefits of a Money Market account, plus the convenience of limited check writing.

IRA & Roth Money Market Savings

  • Save for the future with the benefit of flexibility and higher dividends.