*Annual Percentage Yield (APY) is accurate as of 12/01/23 and may change without notice until the account is opened. Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

¹Early 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.

²Regular Term Share Certificates. $100 minimum opening balance required. Terms from 90 days to 5 years, and penalties apply for early withdrawal. Dividends accrued monthly and paid at maturity. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.

³Jumbo Share Certificates. $100,000 minimum opening balance required. Terms from 90 days to 5 years, and penalties apply for early withdrawal. Dividends accrued monthly and paid at maturity. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.

⁴Liquid Share Certificates. $100 minimum balance required. 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. 12-month term.

⁵College Saver Share Certificates. Available only to members under the age of eighteen (18). The dividend rate and annual percentage yield may change monthly. Dividend rate will be the same as paid on a two (2) year Regular Term Share Certificate (rate in effect on the last day of the previous month) if account balance is below $4,000 or account is less than four (4) years old on the date of the rate change. If the account balance is at least $4,000 and has been opened for at least four (4) years on the date of rate change, the rate will be the two (2) year Regular Term Share Certificate Account rate plus ten (10) basis points (0.10%) effective the last day of the previous month. College Saver certificates mature on the date of your eighteenth (18th) birthday and cannot be renewed. Upon maturity, amounts on deposit in College Saver Share Certificate Account will be transferred to Regular Share Account unless otherwise directed.

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.