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Savings & Certificates

Ways to Save

Traditional Savings

When you want simple, easy access to deposit or withdraw your savings.

High-Yield Money Market

For members looking for higher yields on larger deposits, but also want the flexibility to access funds when needed.

Certificates

If you don't need access to your funds for 90 days or more, you can earn even higher returns with one of our certificates.

Traditional Savings Account

  • Open yours with a $5 minimum deposit
  • Deposit or withdraw money any time
  • Dividends credited quarterly 
  • Receive 24/7 phone and online banking account access

OPEN NOW

High-Yield Money Market1

Earn higher dividends in this NCUA insured account and watch your balance grow. You can open your High-Yield Money Market account with a minimum deposit of just $10,000.

  • Competitive rate
  • No monthly minimum balance fee
  • Easy access

OPEN NOW

Certificates

Would you like to earn higher rates on money you may not need right away? Most banks offer certificates, but with Kinecta, you can earn dividends well above national averages. Because they’re insured by the NCUA, certificates are considered low-risk investments.

Choose A Certificate That's Right for You

Regular3

  • Longer terms can earn higher yields
  • Opening minimum deposit of $1,000
  • Flexibility to choose terms from 90 days to 5 years 
  • Borrow against your funds with a Certificate Loan4
  • Select terms available to Youth Clubs with a $200 opening balance

Jumbo5

  • Great rates with larger deposits
  • Opening minimum deposit of $100,000
  • Flexibility to choose terms from 90 days to 5 years
  • Borrow against your funds with a Certificate Loan4

Liquid2

  • A unique certificate that provides you with easy access to your money
  • Opening minimum deposit of $100
  • Withdraw up to half the account balance every day with no penalty
  • Unlimited deposits
  • 12-month term

College Saver6

  • With the increasing cost of higher education, it pays to start saving today
  • Members up to 18 years of age can open one with as little as $200!  
  • Add deposits any time until maturity
  • Stop by your nearest branch or call us at 800.854.9846

Let's Talk

Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!

800.854.9846  Monday to Friday: 7am - 6pm Pacific, Saturday: 9am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency

*APY = Annual Percentage Yield is variable and subject to change. This is Kinecta’s most recent published rate.

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

1High-Yield Money Market. $10,000 minimum opening balance required. Tiered rate dividends paid starting at $2,500. Dividends accrued daily and paid monthly. High-Yield Money Market account is not available for overdraft protection.

2Liquid Share Certificates. 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. $1,000 minimum balance required. $100 minimum balance with automatic transfer from Kinecta checking account. 12-month term. APY applies to any deposit amount. May be combined with VIP rate increase.

3Regular Term Share Certificates. $1,000 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.

4Certificate Loan. Subject to credit approval and rates subject to change. For a full explanation of terms and conditions, contact a Kinecta branch or call our Member Contact Center at 800.854.9846.

5Jumbo 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.

6College 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 rates 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 your College Saver Share Certificate Account will be transferred to your Regular Share Account unless otherwise directed.