Kinecta Federal Credit Union
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VIP Program

Gold Club & Hughes Gold Elite Club
Our VIP members deserve more! There’s no fee, and you don’t need to sign up for anything. You’re automatically enrolled when you qualify.

Program Benefits

  • Rate increase on new and renewing Share Certificates 3
    • Kinecta Gold rate increase - .05%
    • Kinecta Hughes Gold Elite rate increase - .10%
     
  • Monthly choice of free services: 4
    • Cashier’s Check ($6.00 value)
    • Notary Service ($10.00 value) 5
    • Wire Transfer (up to $40.00 value)
     
  • Free safe deposit box (upon availability)6
    • Kinecta Gold - Small safe deposit box ($35.00 value annually)
    • Kinecta Hughes Gold Elite - Large safe deposit box ($135.00 value annually)
     
  • NSF or Overdraft fee reversal (up to $29 value) 7
  • CheckCard daily limit increased to $5,500 8
  • Free checks (2 boxes per year) 9
  • Free Bill Pay and Online Banking 10
  • Complimentary financial review/plan with a Kinecta Financial & Insurance Services consultant *
  • Reduced closing costs on a first mortgage 11
    • Kinecta Gold - $250 off closing costs
    • Kinecta Hughes Gold Elite - $500 off closing costs
    • Priority processing on a first mortgage
     
  • Credit Cards Rewards program annual fee is waived ($25 value)12
  • Priority phone service

Program Eligibility

  Kinecta Gold Club

  • Minimum of $150,000 in combined balances (loans, deposits, & investments 1) including minimum of $10,000 in deposits & investments
  • Either of the following: (A) minimum monthly average direct deposit of $250 to share accounts; OR (B) minimum monthly average of 3 transactions tied to share accounts2 
 
 

  Kinecta Hughes Gold Elite Club

  • Minimum of $150,000 in combined balances (loans, deposits, & investments 1) including minimum of $10,000 in deposits & investments
  • Either of the following: (A) minimum monthly average direct deposit of $250 to share accounts; OR (B) minimum monthly average of 3 transactions tied to share accounts2
  • Kinecta member for 20+ years
 

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1 Assets under management at Kinecta Financial & Insurance Services.*
2 Transactions exclude balance inquiries, dividends, fees, fee reversals, withholding, and Kinecta share-to-share transfers. Average is determined by activity within the previous 6 months.
3 Includes promotional certificates. College Saver certificates not eligible for rate increase.
4 Gold Club: One free service per month. Hughes Gold Elite Club: Three free services per month. Applies to services obtained at Kinecta locations only.
7 Eligible fees include: Non-Sufficient Funds (NSF) ($29) Savings Overdraft Protection ($3.50), and Line of Credit Overdraft Protection ($2.00). Upon request, choice of one fee reversed per VIP eligibility period (January-June and July-December).
8 Combined maximum of $500 ATM and $5,000 point-of-sale/debit transactions.
9 Two free boxes per calendar year of “Fab 4” or “Spruce Goose” style checks, or equal value per box may be applied to cost of any other style check.
10 Enrollment required.
11 Includes refinancing of loans from Kinecta or other financial institutions. May be applied once in any 12-month period. California primary residences only.
12 Standard qualifying criteria for Visa® Platinum and Platinum MasterCard® credit cards apply. Please, click here for more details
* Securities and Insurance Products offered through LPL Financial, a registered broker/dealer and its affiliates, Member FINRA/SIPC. Insurance products offered through Kinecta Financial & Insurance Services, a subsidiary of Kinecta Federal Credit Union. CA Insurance License #0E24631.  Insurance and investment products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the credit union or any affiliated entities; 3) involve investment risk, including possible loss of value. Kinecta Financial & Insurance Services and Kinecta Federal Credit Union are not affiliated with LPL Financial.  Some insurance products available to California residents only.