Our Story

In 1940, 12 engineers at Hughes Aircraft, the aviation company formed by Howard Hughes, decided to open a credit union right in the plant. Each chipped in $5 to form the Hughes Aircraft Employees Federal Credit Union, with assets of $60 and first reported net income of one cent. The name Kinecta—suggesting kinetic energy and connection with our members—was formally adopted in 2001.

From its earliest days, the credit union’s mission was to be “the preferred and most trusted lifelong financial partner in the communities we serve.”

In 2021, Kinecta merged with Xceed Financial Credit Union, which grew out of Xerox Federal Credit Union and traces its history in the Rochester, NY, community back to 1931 when it was known as Rochester Postal Credit Union.

Kinecta Today

Today, Kinecta Federal Credit Union (Kinecta) is one of the nation's largest credit unions, proudly serving over 270,000 member-owners with assets of $6.8 billion. Our 800+ employees serve members and 440 employer groups from 25 branches, a variety of specialty offices and call centers on both coasts.

Our mission is to guide our members and communities to financial security. In practice, we act as our members’ personal financial consultants, offering them a range of products and services tailored to their needs and empowering them to live their best financial lives.

With secure and convenient banking options like online and mobile banking, virtual appointment or in-branch appointment service, over 5,800 shared credit union branches and more than 85,000 fee-free ATMs¹ nationwide, our members have the flexibility to bank wherever they are.

In 2024, Kinecta received recognition from several publications, including the LA Times, which identified us as one of the top five credit unions headquartered in Southern California based on asset size. Newsweek named Kinecta one of America’s best Regional Credit Unions in 2024, and we were voted the Best Credit Union in the South Bay in Easy Reader’s 2024 “Best of the Beach” poll. 

Banking Done Different^®

At Kinecta, we focus on the human side of banking, seeing people over numbers, prioritizing member needs, and reinvesting our earnings for member and community benefit - that’s banking done different^®

In addition to our banking, lending, insurance² and wealth services³, Kinecta prioritizes giving back to the communities our members and employees call home. In 2023, Team Kinecta volunteered more than 7,000 hours at over 200 community events and, along with our members, raised more than $1,200,000 to support community-based programs.

Kinecta is dedicated to promoting a diverse, inclusive and equitable environment for our employees, members and the communities we serve. Our Diversity Council works to advance diversity, equity and inclusion (DEI) goals at Kinecta. Read more.

Become a Member

When you join Kinecta, you join a credit union where you can expect outstanding service, plus great rates on savings, credit cards, mortgage and vehicle loans.