Savings

Certificates

Your savings aspirations deserve a boost.

Regular 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 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

College Saver Certificate

The dream of a higher education starts with the seed of saving today.**
Members up to 18 years of age can open one with as little as $200!
Stop by your nearest branch or call us at 800.854.9846


Already a Member?

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Kinecta Online Banking or call us at
800.854.9846


New to Kinecta?

Open Your Account
Or visit a Kinecta branch


Helpful Links

View our current rates


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.

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.