Limited Time Offer: 13-Mo. Certificate at 4.30% APY*
Don't miss out on this limited-time offer.
13-Month Certificate1
4.30% APY*
$100 minimum to open
Kinecta certificates offer certainty in an uncertain market.
What is a certificate?
A certificate is a savings tool that often pays higher rates when compared to a typical savings account. A certificate earns dividends at a fixed rate over a set period of time.
Who is it for?
People who are looking to earn a greater return on their money.
How am I protected?
The NCUA, or National Credit Union Administration, is an independent federal agency that insures deposits made to any federally insured credit union, such as Kinecta, up to $250,000 per share owner.
Is the return guaranteed?
Yes, you are guaranteed the stated APY as long as the funds remain in the certificate for its entire term.
Start earning 4.30% APY* with a 13-month certificate1 today.
Additional rate options and terms available.
12-Month Liquid Certificate2
3.75% APY*
Unlimited deposits | Penalty-free withdrawals
$100 minimum to open
3-Month Jumbo Certificate3
3.75% APY*
$100 minimum to open
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 7/15/25 and may change without notice until the account is opened.
113-month certificate: Offer available 07/15/2025 to 08/18/2025. Minimum balance to open share certificate and obtain APY is $100. This is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
212-month liquid certificate: The minimum balance to open share certificate and obtain APY is $100. APY may change without notice until the account is opened. Liquid Share Certificates allow for penalty-free withdrawals of up to 50% of the start of day balance as of 12:00 AM on a daily basis. Withdrawals exceeding 50% of the start of day balance are subject to penalties. Fees may reduce earnings. Additional deposits are permitted at any time prior to maturity. At maturity, certificate will automatically renew at the prevailing certificate rate. 12-month term.
33-month jumbo certificate: The minimum balance to open share certificate and obtain APY of 3.75% is $100,000. APY of 3.50% available with $100 minimum opening balance. A certificate is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate.