3-month jumbo certificate at 3.75% APY*
3-Month Jumbo Certificate
3.75% APY*
$100K minimum to open
6-Month Jumbo Certificate
3.50% APY*
$100K minimum to open
3-Month Regular Certificate
3.50% APY*
$100 minimum to open
6-Month Regular Certificate
3.25% APY*
$100 minimum to open
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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 3.75% APY* with a 3-month jumbo certificate today.
Already a member? Open new accounts in online banking or the app.
*Annual percentage yield (APY) is accurate as of 10/1/2024.
3-month 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. For complete account terms and conditions refer to the Agreements and Disclosures booklet. Membership required.
6-month certificate: The minimum balance to open share certificate and obtain APY of 3.50% is $100,000. APY of 3.25% 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. For complete account terms and conditions refer to the Agreements and Disclosures booklet. Membership required.