Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. 

*Annual Percentage Yield (APY) is accurate as of 1/07/25 and may change without notice until the account is opened.

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. 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. See checking page (link: kinecta.org/checking) for more details on ProtectPlus benefits

²Early payday. 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 two days earlier than the effective payroll payment date.  

³13-month and 30-month regular certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The 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, certificate will automatically renew at the prevailing certificate rate.

⁴9-month liquid certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $10,000. Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties. At maturity, certificate will automatically renew to a 12-month Liquid Certificate.

⁵3-month Certificate: The minimum balance to open share certificate and obtain APY of 3.750% is $100,000. APY of 3.500% 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.

⁶U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. At Kinecta, Zelle® is available to primary account holders of consumer checking accounts. Joint account holders are not supported at this time. Members must be 18 years of age or older. U.S. mobile number required. 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^®.