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VIP Programs

Kinecta offers two outstanding complimentary VIP programs for our members who qualify. No extra effort needed: you’ll get a welcome letter when you are automatically enrolled.

• Gold Club. We want to recognize those members who have made us a primary financial institution in their lives and trust us to help them meet their financial goals.

• Hughes Gold Elite Club. Not only is Kinecta an integral part of these members lives, they have been loyal Kinecta members for more than two decades.

Eligibility

Gold Club

  • Minimum of $150,000 in combined balances (loans, deposits, & investments1) including minimum of $10,000 in deposits & investments
  • Either of the following: (A) minimum monthly average direct deposit of $250 to share accounts; OR (B) minimum monthly average of three (3) transactions tied to share accounts2

Hughes Gold Elite Club

  • Minimum of $150,000 in combined balances (loans, deposits, & investments1) including minimum of $10,000 in deposits & investments
  • Either of the following: (A) minimum monthly average direct deposit of $250 to share accounts; OR (B) minimum monthly average of three (3) transactions tied to share accounts2
  • Kinecta member for 20+ years
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($21.95 value per box)

Benefits Gold Club Hughes Gold Elite Club
Rate boost on new and renewing certificates3 0.05% 0.10%
Free monthly product choice4

Cashier’s check ($6 value)

Notary service ($10 value)5

Wire transfer (up to $55 value)

Cashier’s check ($6 value)

Notary service ($10 value)5

Wire transfer (up to $55 value)
Free safe deposit box6 Small ($40 annually) Large ($140 annually)
NSF or overdraft fee reversal7 Up to $30 value Up to $30 value
Debit card daily limit increase8 $5,500 $5,500
Free checks9 ($21.95 value per box) 2 boxes per year  2 boxes per year
Reduced closing costs on a first mortgage10 $250 off $500 off
Priority processing on a first mortgage Yes Yes
Priority call center service Yes Yes

1Assets under management with Kinecta Financial & Insurance Services. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Kinecta Federal Credit Union and Kinecta Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Kinecta Wealth Management and may also be employees of Kinecta Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Kinecta Federal Credit Union or Kinecta Wealth Management. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency 

Not Credit Union Guaranteed  

Not Credit Union Deposits or Obligations  

  May Lose Value  

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SD, SC, TN, TX, UT, VA, WA, WI, and WY.

2Transactions exclude balance inquiries, dividends, fees, fee reversals, withholding, and Kinecta share-to-share transfers. Minimum monthly average is determined by activity within the previous six (6) months. 

3Includes promotional certificates. College Saver certificates not eligible for rate increase. 

4Applies to services obtained at Kinecta locations only. 

5Subject to availability. Please call for an appointment. 

6Subject to availability. May be applied to rental of any available safe deposit box. 

7Eligible fees include: Non-Sufficient Funds (NSF) ($30) Savings Overdraft Protection ($4), and Line of Credit Overdraft Protection ($2). Upon request, choice of one fee reversed per VIP eligibility period (January-June and July-December). 

8Combined maximum of $500 ATM and $5,000 point-of-sale/debit transactions.

 9Two free boxes per calendar year of “Fab 4” or “Spruce Goose” style checks, or equal value per box may be applied to cost of any other style check. 

10Includes refinancing of loans from Kinecta or other financial institutions. Applicable in states where Kinecta mortgages are available. May be applied once in any 12-month period. Terms and conditions subject to change.