Member Exclusive: Mortgage Benefits

¹Applies to first mortgages only – discounts and credits are not applicable on Home Equity Loans or Lines of Credit.

A Kinecta share account(s) (herein “share account” or “account”) with a minimal balance is required at the time of closing to receive the corresponding interest rate discount and closing cost credit identified in the table above. Automated monthly transfers of the mortgage payment from a Kinecta share account using automated drafting is also required. Actual interest rate shall be verified after final loan approval and subject to verification and satisfaction of the terms herein. Additionally, the share account must include a monthly recurring direct deposit or other ACH electronic funds transfer scheduled and in place prior to and at closing.

The interest rate discount and closing cost credit will depend on the level of the Kinecta and/or Kinecta Wealth Management eligible account balance(s). The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back. Relationship pricing benefits cannot be combined with other offers and incentives. Eligible account balances will be verified upon final loan approval and shall remain on deposit at closing. Account balance(s) used to determine the discount and closing credit will be the balance(s) that remain(s) after any reduction for down payment and closing costs for the mortgage transaction.

Account balances must be in the member’s account(s) upon notice of final loan approval and prior to preparation of loan closing documentation. Kinecta eligible share accounts include traditional savings, share certificates, money market, checking and IRAs. Investment Accounts held through Kinecta Wealth Management are also eligible. The borrower must be an account holder on the Kinecta and Kinecta Wealth Management accounts.

Kinecta Relationship pricing is subject to change without notice.

²We have a partnership with Ameriprise Financial Services to provide financial planning services and solutions to our clients. We are not an investment client of Ameriprise, but we have a revenue sharing relationship with them that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change. Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

The financial institution and Ameriprise Financial, Inc. are not affiliated.

Kinecta Wealth Management is a financial advisory practice of Ameriprise Financial Services, LLC.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.