Get up to $350† when you open a new checking account.
Learn MoreCurrent Rates
Higher returns on savings instruments. Lower rates on loans and credit cards. Check out our promotional rates on our 9, 13 and 30-month certificates.
Rates effective as of December 3, 2024.
Printable rate page
Deposits
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Regular & Jumbo Certificates (Personal & Business)
| Length of Term | Dividend Rate / APY* |
|---|---|
| $100,000 and above | Jumbo |
| 3 month | 3.69% / 3.75% |
| 6 month | 3.45% / 3.50% |
| 12 month | 3.30% / 3.35% |
| 2 years | 3.01% / 3.05% |
| 3 years | 2.72% / 2.75% |
| 4 years | 2.47% / 2.50% |
| 5 years | 2.23% / 2.25% |
| Under $100,000 | Regular |
| 3 month | 3.45% / 3.50% |
| 6 month | 3.20% / 3.25% |
| 12 month | 3.06% / 3.10% |
| 2 years | 2.77% / 2.80% |
| 3 years | 2.47% / 2.50% |
| 4 years | 2.23% / 2.25% |
| 5 years | 1.98% / 2.00% |
Already a member? Open new accounts in online banking or the app.
Already a member? Open new accounts in online banking or the app.
Already a member? Open new accounts in online banking or the app.
*Annual percentage yields (APY) are accurate as of effective date above.
All certificates: The minimum balance to open share certificates 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 and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
19-month liquid certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $10,000. Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties. At maturity, certificate will automatically renew to a 12-month Liquid Certificate.
213-month and 30-month regular certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $100. This 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.
312-month liquid certificate: Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties.
4College Saver: 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.
Membership required.
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1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table.
Already a member? Open new accounts in online banking or the app.
1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table.
Dividends accrued daily and paid monthly.
IRA - Daily Access Accounts
| Daily Access Accounts | Minimum Balance | Dividend Rate / APY1 |
|---|---|---|
| IRA Money Market Account | Under $2,500 | 0.15% / 0.15% |
| IRA Money Market Account | $2,500 ‑ $9,999.99 | 0.20% / 0.20% |
| IRA Money Market Account | $10,000 ‑ $24,999.99 | 0.25% / 0.25% |
| IRA Money Market Account | $25,000 ‑ $49,999.99 | 0.25% / 0.25% |
| IRA Money Market Account | $50,000 ‑ $99,999.99 | 0.40% / 0.40% |
| IRA Money Market Account | Over $100,000 | 0.50% / 0.50% |
| IRA Contributory & Roth Accounts ‑ Payroll Deduction | $1 | 0.05% / 0.05% |
| IRA Contributory & Roth Accounts ‑ No Payroll Deduction | $100 | 0.05% / 0.05% |
| Health Savings Account ‑ Single | $0 | 0.10% / 0.10% |
| Health Savings Account ‑ Family | $0 | 0.10% / 0.10% |
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1APY = annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table.
Dividends paid quarterly.
If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.
Traditional IRA / Roth IRA Share Certificates
| Length of Term | Dividend Rate / APY1 |
|---|---|
| $100,000 and above | Traditional/Roth IRA |
| 3 month | 3.69% / 3.75% |
| 6 month | 3.45% / 3.50% |
| 12 month | 3.30% / 3.35% |
| 2 years | 3.01% / 3.05% |
| 3 years | 2.72% / 2.75% |
| 4 years | 2.47% / 2.50% |
| 5 years | 2.23% / 2.25% |
| Under $100,000 | Traditional/Roth IRA |
| 3 month | 3.45% / 3.50% |
| 6 month | 3.20% / 3.25% |
| 12 month | 3.06% / 3.10% |
| 2 years | 2.77% / 2.80% |
| 3 years | 2.47% / 2.50% |
| 4 years | 2.23% / 2.25% |
| 5 years | 1.98% / 2.00% |
Already a member? Open new accounts in online banking or the app.
1APY = annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table.
$100 minimum balances required. No additional deposits accepted during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings.
Already a member? Open new accounts in online banking or the app.
1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table.
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Credit
1Annual Percentage Rate (APR). All loans subject to credit approval. Rates effective per date listed at top of table.
The actual rate you receive is determined by a combination of factors, including credit qualifications, loan amount, collateral, down payment and terms. Rate includes a .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement. Rates and terms and conditions are subject to change. The value of new vehicles is determined by MSRP, and the value of used vehicles is determined by Retail Kelley Blue Book.
1APR = Annual Percentage Rate. APRs for Purchase, Cash Advances, and Balance Transfers may vary and are subject to change without notice. The credit card rates information is accurate as of the effective date of publication. Rates effective per date listed at top of table.
Credit card approval depends on creditworthiness and other qualifications.
2MYPERKS TERMS & CONDITIONS - click here.
3MYPOWER TERMS & CONDITIONS - click here.
4MYPLAN TERMS & CONDITIONS - click here.
5MYPRO RATES TERMS & CONDITIONS - click here.
APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Rate, points and APR may be adjusted based on several factors, including, but not limited to, loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs.
All applications are subject to credit approval; not all applicants will be approved. Programs, rates, and terms and conditions are subject to change without notice. Full income and asset documentation are required. Loan secured by a lien against your property. Interest rates, points, and Annual Percentage Rates (APRs) may differ by product and State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose.
Mortgage loans may not be available in all areas. Estimated payments do not include amounts for taxes and insurance and your actual payment may be greater.
Homeowner's property insurance is required. Flood insurance may be required. Loan together with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Non-owner-occupied properties are not eligible. Loan amounts from $250,000 to $500,000 require a full appraisal paid by the member. Applicable appraisal fees may vary and range between $450-$650. Consult your tax advisor regarding deductibility of interest and charges.
1Home Equity Variable Lines of Credit with Intro Rate. Subject to credit approval. Requires minimum initial draw of $25,000 (or $25,000 plus any balance based on existing Kinecta home equity loan) at time of closing. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial rate discount. The initial rate discount will be in effect for 12 months. The variable APR after the initial rate discount is based on The Wall Street Journal Prime Rate (the "index") plus a margin. This rate may vary with changes in the Prime Rate. As of 09/19/2024 Prime Rate is 7.750%. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. CLTV up to 80%. The minimum credit limit and loan amount is $25,000, maximum is $500,000. 10-year draw period followed by a 20-year repayment period. $395 loan processing fee waived if (1) automatic payment plan from a Kinecta account is set up at closing; and (2) not replacing an existing Kinecta home equity loan originated in prior 12 months.
2Home Equity Variable Lines of Credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. Variable APR based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate. The minimum floor rate is 4.00% and the maximum APR that can apply is 18.00%, this excludes state of Texas. CLTV up to 80%. The minimum credit limit and loan amount is $20,000 and maximum is $500,000 with a 10-year draw period followed by a 20-year repayment period. $395 loan processing fee waived if (1) automatic payment plan from a Kinecta account is set up at closing; and (2) not replacing an existing Kinecta home equity loan originated in prior 12 months.
3Equity loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors including Combined Loan-to-Value (CLTV) and are subject to change. CLTV up to 85%. Maximum loan amount is $500,000. Proof of homeowner's property insurance is required, and flood insurance may be required. $395 loan processing fee waived if (1) automatic payment plan from a Kinecta account is set up at closing; and (2) not replacing an existing Kinecta home equity loan originated in prior 12 months.
Loan combined with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Non-owner- occupied properties are not eligible. A full appraisal paid by the member is required when the value is greater than $2,000,000.00 and CLTV is > 50.00% or the CLTV is greater than 80.00% or the loan amount is greater than $400,000 or, the 1st lien mortgage has an interest only feature. Applicable appraisal fees may vary and range between $550-$850."
*Annual percentage yield (APY) is accurate as of 12/01/2024.
3-month certificate: The minimum balance to open share certificate and obtain APY is $100,000. APY of 4.00% available with $100 minimum opening balance. 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. For complete account terms and conditions refer to the Agreements and Disclosures booklet. Membership required.
1APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.
2Personal Loan - Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Minimum repayment term is 12 months, maximum repayment term is 84 months. Maximum loan amount is $100,000.00. Monthly payment per $1,000 borrowed at 11.74% APR (after automatic payment discount applied) over a term of 12 months is estimated to be $88.73, over a term of 84 months is estimated to be $17.51.
3Personal Line of Credit - Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum line amount is $100,000.00. Variable APR based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate.
†Earn a bonus (1) opening a new personal checking account; (2) receiving direct deposit(s) totaling $500 or more in the new checking account within 60 days of account opening. Direct deposit(s) are ACH deposits.; (3) maintaining either a $5,000 average daily balance in checking for the first 90 days of account opening to earn $350 or a $1,000 average daily balance in checking for the first 90 days of account opening to earn $100; (4) completing 15 debit card transactions per 30 days for the first 90 days of account opening. Qualified transactions do not include adjustments, unauthorized or fraudulent charges, and fees of any kind. Offer not valid for members with an existing checking account or a Kinecta checking account closed within 90 days of new checking account opening. Your bonus will be paid within 30 days of meeting all qualifications described above. Account must be in good standing to receive bonus. One bonus per member. Cannot be combined with other offers. Limited time offer subject to change without notice. Bonus may be subject to IRS reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional. Membership requirements apply. Rates are variable and subject to change after account opening. Fees may reduce earnings. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts