Welcome to Kinecta!
What You Need To Know
We’re more than a credit union — we’re a partner in your success. Let’s get started.
Your Accounts at Your Fingertips
Download our mobile app or log in online using Kinecta’s digital banking tools.
- Securely manage and monitor your accounts from anywhere
- Send and receive money with Zelle® or Bill Pay
- Setup direct deposit to get paid up to two days early†
- Monitor your credit score, set financial goals and track your progress
Download our mobile app today.
Connect With Us
We’re here to help, no matter where you are.
How We Can Help
With our services and products, you have the power to put your financial plans in motion, and keep them on track.
Achieve Your Goals
- ProtectPlus1 Checking gives you industry-leading benefits like zero copays on telehealth, identity theft monitoring, roadside assistance and more.
- Get a savings account that makes it look easy: high-yield savings2 for maximum flexibility or a range of certificates for maximum certainty.
Credit When You Need It
- Credit cards to match your goals: cash back rewards, low fees or credit building possibilities.
- From consolidating debt to financing projects, personal loans and lines of credit can give you the support you need.
Beyond Everyday Banking
- Whether you want to buy a home, refinance a home or access your equity, we can help.
- Kinecta Wealth Management provides personalized financial guidance throughout your life.
- Protect what matters most with insurance for your life, home, vehicle or business.
Financial Education
We’re committed to helping you reach your goals.
- Our Financial Empowerment Center is full of courses, articles and calculators to help you plan and track your progress with no fee.
- Online or in our app you have complimentary access to track your savings goals and your credit score with no negative impact to your credit.
- With ProtectPlus Checking1, you gain even more with unlimited one-on-one coaching and courses to help you maximize your financial wellness.
More Member Benefits
Better rates and personalized service aren’t the only benefits you’ll receive as a Kinecta member; you also have access to discounts at area businesses and attractions.
*ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.
†Early access 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 2 days earlier than the effective payroll payment date.
1ProtectPlus benefits are available only under the same membership. ProtectPlus Checking accounts are dividend-bearing accounts. For the current dividends and corresponding Annual Percentage Yield (APY), refer to the Dividend Rate Sheet. Only one (1) Non-Sufficient Funds (NSF) fee and one (1) Domestic Wire fee may be waived monthly. An NSF fee is assessed for item(s) returned unpaid due to insufficient/uncollected funds including, but not limited to checks and Automated Clearing House (ACH) transactions (per presentment). New or renewing certificates are eligible for a rate increase, excluding all other promotions including, but not limited to, promotional certificates. ProtectPlus benefits cannot be combined with other relationship benefits and benefits do not roll over. Monthly fee of $9.95 can be waived by maintaining a $10,000 average monthly balance in your ProtectPlus checking account. Refer to Kinecta Federal Credit Union’s Agreements and Disclosures booklet and Consumer Schedule of Fees and Charges for additional terms and conditions such as fees, payment of dividends and other details applicable to your specific account. Terms and conditions subject to change.
2High-Yield Money Market. Dividends accrued daily and paid monthly.
Not FDIC or NCUA Insured
No Financial Institution Guaranteed
May Lose Value
We have a partnership with Ameriprise Financial Services to provide financial planning services and solutions to our clients. We are not an investment client of Ameriprise, but we have a revenue sharing relationship with them that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.
Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change. Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.
Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.
Kinecta Federal Credit Union and Ameriprise Financial, Inc. are not affiliated.
Kinecta Wealth Management is a financial advisory practice of Ameriprise Financial Services, LLC.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. Kinecta IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle®.
All third-party trademarks referenced herein are the property of their respective owners.