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A message from Keith Sultemeier, President and Chief Executive Officer

Published June 25, 2025

Economic uncertainty seems to have become more commonplace for many, and its effects are impacting consumers’ sentiment regarding the economy and their overall personal finances. Many are facing a financial crossroads between important choices about spending, saving, investing and financial well-being.

The good news is that there are several ways to get the information you need to make more informed decisions about your money, and some of them are just a few clicks away. Here are a few of the resources Kinecta offers that you may not know are available to you.

Financial Health

In Kinecta’s online banking or mobile app, you have several tools to track your financial health and set goals:

  1. Categorize your spending so you can track where your money goes each month, making budgeting easier. Having visibility is a crucial step to knowing what’s possible.
  2. Set savings goals linked with a savings account of your choice. This helps you stay on track with your savings and achieve your goals.
  3. Take our quick assessment to check your financial health. Understanding your financial health is the first step to improving your financial situation.

Credit Monitoring

Your credit can not only impact your access to financial resources, but also can influence the costs of things like insurance or even your chances for employment. It’s important to monitor and manage your credit rating. You can do so conveniently in Kinecta’s online banking and mobile app at no cost to you. You have complimentary access to:

  1. Monitor your score and access your report without impacting your credit. This lets you know where you stand right now, watch for any changes and make plans to move forward.
  2. Simulate your score to see what could happen if you were to take certain actions, like increasing balances on a credit card or taking out a new loan. This visibility is incredibly helpful when planning.
  3. Set goals for the score you want to have and receive personalized recommendations to get you there.

Additional Benefits

With Kinecta’s new ProtectPlusTM Checking account, you get a lot more than just a checking account. Besides cell phone insurance, 24/7 telehealth, roadside assistance, ID theft and dark web monitoring, and many more perks, you also get access to Financial Wellness 360º. This benefit includes unlimited one-on-one coaching, interactive courses, videos and more.

If your financial needs are complex and you need help with investments, our experienced professionals with Kinecta Wealth Management are here to help. From legacy planning to college saving and more, our team is dedicated to helping you plan for the long term.

And as always, our friendly representatives in our branches and call centers are here for you. If you have financial questions, we’ll point you in the right direction. We’re here to help you on the road to financial prosperity.

Thank you for your membership.

Keith Sultemeier
President and Chief Executive Officer
Kinecta Federal Credit Union