We’re banking on you, Thousand Oaks.

*ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess a fee.

¹Membership requirements apply. Refer to the Agreements & Disclosure booklet and the Schedule of Fees form for terms and conditions applicable to specific accounts. Participation in bundle offers is not a requirement for membership. Your membership must be open and in good standing at the time of Bonus deposit to participate in any bundle offer. Rates are variable and subject to change after account opening. Fees may reduce earnings. Only one Trifecta Bundle offer may be applied per membership number. Bundle offers may not be combined with any other offers.

New Members

$250 Trifecta Bundle Bonus (“bonus”) – Once you become a member, you can participate in the Trifecta Bundle if you open a 1) Savings Share, 2) Checking Plus Share with monthly direct deposit(s) totaling $500 or more as defined in our Agreements and Disclosure booklet, and 3) a High-Yield Money Market share or IRA Money Market Share, with a combined balance of at least $10,000. Trifecta Bundle participants must maintain a combined daily balance at all times of $10,000 with Kinecta between your Savings share, Checking Plus share, and High-Yield Money Market or IRA Money Market share, and receive a monthly direct deposit(s) totaling $500 or more into your Checking Plus share within the first 60 days of account opening to obtain the bonus. Your bonus will be paid within 30 days of meeting all Trifecta Bundle qualifications described above. Bonus may be subject to IRS tax reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional. Trifecta Bundle participants will be eligible for a 15-basis point (“.015%”) Annual Percentage Yield increase (“rate bump”) over the Annual Percentage Yield (APY) on Kinecta’s rate sheet and applicable to your new High-Yield Money Market share or IRA Money Market share at the time of opening. To take advantage of the .015% APY rate bump, you must maintain a combined daily balance of $10,000 at all times between your Savings share, Checking Plus share, and High-Yield Money Market share, and receive a monthly direct deposit(s) totaling $500 or more into your Checking Plus share. The rate bump offer can only be applied to one High-Yield Money Market share or IRA Money Market share per membership number and does not apply to Savings Shares and/or Checking Plus Shares. Rates are variable and subject to change, please see our Rate Sheet or an associate for details. $150 MyPerks Credit Card Offer – This offer is not available to current MyPerks Credit Card holders. Trifecta Bundle participants may be eligible to receive a one-time $150 statement credit when you open a new MyPerks Credit Card and make purchases totaling $150 or more within the first 30 days of account opening. Purchases do not include balance transfers, cash advances, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind. After becoming eligible to receive the $150 statement credit, please allow up to 30 days to receive your $150 statement credit. Statement credit is not eligible for transfer or for cash withdrawal. Account must be open and not in default at the time of statement credit (“offer fulfillment”).

Existing Members

$250 Trifecta Bundle Bonus – If you are an existing member, you may participate in the Trifecta Bundle if you open a 1) new Checking Plus Share with a monthly direct deposit(s) totaling $500 or more as defined in our Agreements and Disclosures booklet within 60 days of account opening, and 2) a High-Yield Money Market share or IRA Money Market Share, with a combined balance of at least $10,000. Only members with no existing checking, High-Yield Money Market, and/or IRA Money Market shares qualify for the Trifecta Bundle bonus. The Trifecta Bundle bonus will be paid to Trifecta Bundle participants within 30 days of meeting all Trifecta Bundle qualifications described above. Bonus may be subject to IRS tax reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional. Trifecta Bundle participants may also qualify for a 15-basis point (“.015%”) Annual Percentage Yield increase (“rate bump”) over the Annual Percentage Yield (APY) on Kinecta’s rate sheet and applicable to the High-Yield Money Market share or IRA Money Market share at the time of opening. To take advantage of the .015% APY rate bump, you must maintain a combined daily balance of $10,000 between your new High-Yield Money Market share or IRA Money Market share, Savings share, and your new Checking Plus share; and receive a monthly direct deposit(s) totaling $500 or more into your Checking Plus share. If you are a member with an existing High-Yield Money Market Share and/or IRA Money Market share, and a Checking Plus share, you may qualify for the rate bump to your existing High-Yield Money Market Share or IRA Money Share APY, providing such account is not already participating and/or part of a separate promotion and/or promotional rate, if you maintain a combined daily balance of $10,000 between your Savings share, your Checking Plus share, and your High-Yield Money Market or IRA Money Market; and receive a monthly direct deposit(s) totaling $500 or more into your Checking Plus share. Once you qualify, the rate bump will be applied and take effect upon your request. Rate bump offer can only be applied to one High-Yield Money Market share or IRA Money Market share per membership number and will not apply to Savings shares and/or Checking Plus shares. Rates are variable and subject to change, please see our Rate Sheet or an associate for details. $150 MyPerks Credit Card Offer – This offer is not available to current MyPerks Credit Card holders. Trifecta Bundle participants may be eligible to receive a one-time $150 statement credit when you open a new MyPerks Credit Card and make purchases totaling $150 or more within the first 30 days of account opening. Purchases do not include balance transfers, cash advances, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind. After becoming eligible to receive the credit, please allow up to 30 days to receive your $150 statement credit. Statement credit is not eligible for transfer or for cash withdrawal. Account must be open and not in default at the time of offer fulfillment. 

²Access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to two days earlier than the effective payroll payment date.