Share Certificates

Competitive rates with flexible terms.

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

Regular Share Certificates

• Longer terms 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*

Liquid Certificates¹

(formerly known as 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

1 Liquid Certificate allows for penalty-free withdrawals of up to 50% of the start of day balance as of 12:00 AM on a daily basis. Early withdrawal penalties may apply. Withdrawals exceeding 50% of the start of day balance are subject to penalties. Fees and other conditions may reduce earnings.

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 1-800-854-9846

Your savings is federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency.

*Certain restrictions apply.

**Penalty for early withdrawal of principal may apply.