Grow with confidence.
3.60% APY* | 12-mo. jumbo promo cert.1
3.50% APY* | 12-mo. reg. promo cert.1
Offer ends February 17, 2026.
Choose how you want to start saving now.
Signature Money Market2
Enjoy higher dividends on larger balances with this tiered-rate account.
Certificates
Choose from a range of regular, liquid or jumbo certificates to suit your needs.
Health Savings Account4
With an HSA, you can grow your earnings on a tax-deferred basis to pay for qualified medical expenses.
Strengthen your savings strategy with a Signature Money Market.2
Your balance deserves a promotion. This new account provides tiered rates that reward higher balances with bigger earnings.
- Competitive rates on higher deposits
- Deposit or withdraw as needed
- No monthly service fee
- $10,000 min. opening deposit
2.60% APY*
$500,000 +
2.50% APY*
$250,000 - $499,999
2.25% APY*
$100,000 - $249,999
2.00% APY*
$50,000 - $99,999
1.25% APY*
$10,000 - $49,999
.05% APY*
$0 - $9,999
High Yield Savings3
Earn over 8x above the national savings average3 with tiered rates as high as 5.00% APY*.
5.00% APY*
$0 ‑ $499.99
3.00% APY*
$500 ‑ $49,999
2.75% APY*
$50,000 ‑ $99,999
0.05% APY*
$100,000 +
Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime.
- Great way to build your savings
- Deposit or withdraw as needed
- No monthly service fee
- Start saving with as little as $25
Take advantage of our limited-time promotional offer.
12-Mo. Jumbo Promo. Certificate1
3.60% APY*
$100,000 minimum to open
12-Mo. Regular Promo. Certificate1
3.50% APY*
$100 minimum to open
Select your ideal certificate.
With Kinecta, you can earn higher rates on extra cash and dividends that are NCUA-insured to at least $250,000. Learn more about the terms and conditions of each certificate.
Liquid5 — if you need the flexibility to withdraw and deposit while earning dividends
Terms
12 months
Certificate Loan Eligible?**
No
APY*
3.00%
Deposits Allowed?
Additional deposits are permitted at any time prior to maturity.
Early Withdrawal Penalties?
Penalty-free withdrawals of up to 50% of the start of day balance as of 12:00 AM on a daily basis.
Regular6 — if you’re looking to deposit under $100,000
Terms
3 months to 5 years
Certificate Loan Eligible?**
Yes
APY*
2.50% - 3.05%
Based on length and balance
Deposits Allowed?
Additional deposits are not permitted.
Early Withdrawal Penalties?
- Terms to maturity equal to or less than one (1) year - penalty will equal to 90 days of dividends.
- Terms to maturity greater than one year - penalty will equal 180 days of dividends.
Jumbo7 — we offer even better rates if you deposit over $100,000
Terms
3 months to 5 years
Certificate Loan Eligible?**
Yes
APY*
2.60% - 3.20%
Based on length and balance
Deposits Allowed?
Additional deposits are not permitted.
Early Withdrawal Penalties?
- Terms to maturity equal to or less than one (1) year - penalty will equal to 90 days of dividends.
- Terms to maturity greater than one year - penalty will equal 180 days of dividends.
College Saver8 — great for those under 18 years old
Terms
Reaches maturity on 18th birthday
Certificate Loan Eligible?**
No
APY*
2.85%
Deposits Allowed?
Additional deposits are permitted at any time prior to maturity.
Early Withdrawal Penalties?
- Terms to maturity equal to or less than one (1) year - penalty will equal to 90 days of dividends.
- Terms to maturity greater than one year - penalty will equal 180 days of dividends.
Traditional Savings
An everyday savings account that provides a simple way to build your savings.
- Only a $5 deposit is required to open an account
- Deposit or withdraw money at any time
- Dividends are credited quarterly
- Get 24/7 access to your account online or via our app
Health Savings Accounts (HSA)4
Reduce your current tax liability while also watching your earnings grow on a tax-deferred basis to pay for qualified medical expenses. Members enrolled in an HSA-eligible high deductible health plan qualify.
- $0 minimum opening deposit
- No monthly maintenance fee
- Available for Single (annual contribution $4,400) and Family (annual contribution $8,750) accounts, contributions after age 55 increase by $1,000 for both account types
- Free HSA debit card (plus extra cards for authorized users of a Family Plan)
- No expiration on funds, this is a key differentiator from a flexible spending account
Ready to experience banking done different®?
Meet with a specialist to discuss how we can help you reach your savings goals.
Frequently Asked Certificate Questions
What is a Certificate?
Generally, a Certificate is a type of savings account offered where the account holder leaves funds in an account for a predetermined amount of time. Upon maturity, dividends are paid to the account holder. The dividends amount is determined by the amount of money within the account.
What are the available terms for the Certificates?
- Regular and Jumbo Certificates: 3 months, 6 months, 12 months, 2 years, 3 years, 4 years and 5 years
- Liquid Certificate: Operates on a 12-month term, but half the account balance can be withdrawn on a daily basis.
- College Saver: Reaches maturation on the account holder’s 18th birthday, and therefore the term length varies.
How do the early withdrawal penalties work?
If an account holder withdraws from the balance in their Regular, Jumbo or College Saver certificates before the maturity date, a penalty will be applied based on the length of time left until the Certificate term expires. If the Certificate has a term of maturity equal to or less than 1 year, the penalty imposed will be equal to 90 days of dividends. If the Certificate has a term of maturity greater than 1 year, the penalty imposed will be equal to 180 days of dividends.
Can I withdraw early without penalty?
Early withdrawal penalties will not apply in the following situations:
- During the 7-day grace period following the automatic renewal of the certificate
- To withdrawals of credited dividends
- To withdrawals made after account closure and termination of membership with Kinecta
- During other unique situations, a complete list of which can be found here
Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency
*Annual Percentage Yield (APY) is accurate as of 1/21/26 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.
**Certificate Loans: If eligible, funds held in your share certificate may be used for Secured Installment loans. Installment periods vary. Rates are subject to change. The amount of the loan is limited to the amount of funds held in your savings account or share certificate. If you default on your installment loan, the funds from your savings account or share certificate will be used to repay the outstanding balance on your account, and you may be subject to an early withdrawal penalty on your certificate.
112-month promotional certificates: Offer available 1/21/2026 to 2/17/2026. The minimum balance to open jumbo share certificate and obtain APY is $100,000. The minimum balance to open regular share certificate and obtain APY is $100. 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.
2Signature Money Market: The minimum balance required to open account is $10,000. Dividend rate subject to change without notice after account opening. The minimum balance requirements applicable to each tier, corresponding dividend rates and minimum balances to earn the disclosed annual percentage yields appear on the Dividend Rate Sheet. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account.
3High Yield Savings: Dividends accrued daily and paid monthly. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.
4Health Savings Account. Tax savings are demonstrative and not guaranteed. Please consult your tax professional.
5Liquid Share Certificates: The minimum balance to open share certificate and obtain APY is $100. APY may change without notice until the account is opened. 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. At maturity, certificate will automatically renew at the prevailing certificate rate. 12-month term.
6Regular Share Certificates: The minimum balance to open share certificate and obtain APY is $100. Terms from 3 months to 5 years. 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.
7Jumbo Share Certificates: The minimum balance to open share certificate and obtain APY is $100,000. Terms from 3 months to 5 years. 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.
8College Saver Share Certificates: Member must be under the age of eighteen (18) to open. Dividend rate and APY may change monthly and is equal to 2-Year Share Certificate (rate in effect on the last day of the previous month). Additional deposits are permitted at any time prior to maturity. Account will mature on the date of member’s eighteenth (18th) birthday and cannot be renewed. The minimum balance to open share certificates and obtain APY is $100.