Maximize dividends with added flexibility.
9-mo. liquid certificate2 at 4.25% APY*
Choose how you want to start saving now.
High-Yield Money Market
Enjoy higher yields on larger deposits and steadily grow your savings.
Traditional Savings
Easily deposit and withdraw your savings any time while earning quarterly dividends.
Health Savings Account
With an HSA, you can grow your earnings on a tax-deferred basis to pay for qualified medical expenses.
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.
Maximize Your Savings with Our Current Promotional Certificates!
13-Month Regular Certificate1
4.25% APY*
$100 minimum to open | New money required
9-Month Liquid Certificate2
4.25% APY*
Unlimited deposits | Penalty-free withdrawals
$10K minimum to open | New money required
30-Month Regular Certificate1
3.50% APY*
$100 minimum to open | New money required
OPEN ACCOUNTBook appointment
Already a member? Book an appointment or visit a branch to open an account.
3-Month Jumbo Certificate3
3.75% APY*
$100K minimum to open
6-Month Jumbo Certificate4
3.50% APY*
$100K minimum to open
3-Month Regular Certificate3
3.50% APY*
$100 minimum to open
6-Month Regular Certificate4
3.25% APY*
$100 minimum to open
OPEN ACCOUNTBook appointment
Already a member? Open new accounts in online banking or the app.
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.
Already a member? Open new accounts in online banking or the app.
Regular6 — if you’re looking to deposit under $100,000
Terms
3 months to 5 years
Certificate Loan Eligible?**
Yes
APY*
2.00%-3.50%
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.
Already a member? Open new accounts in online banking or the app.
Jumbo7 — we offer even better rates if you deposit over $100,000
Terms
3 months to 5 years
Certificate Loan Eligible?**
Yes
APY*
2.25%-3.75%
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.
Already a member? Open new accounts in online banking or the app.
College Saver8 — great for those under 18 years old
Terms
Reaches maturity on 18th birthday
Certificate Loan Eligible?**
No
APY*
2.80%
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.
Launch a better way to save and grow.
Traditional 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.
High-Yield Money Market9
- Earn higher dividends on larger balances with our tiered system.
- No monthly minimum balance fee.
- Get 24/7 access to your account online or via our app.
Health Savings Accounts (HSA)10
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 $3,850) and Family (annual contribution $7,750) 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 12/03/2024.
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.
113-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.
29-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.
33-month Certificate: The minimum balance to open share certificate and obtain APY of 3.75% is $100,000. APY of 3.50% 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.
46-month Certificate: The minimum balance to open share certificate and obtain APY of 3.50% is $100,000. APY of 3.25% 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.
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: Available only to members under the age of eighteen (18). The dividend rate and annual percentage yield may change monthly. Dividend rate will be the same as paid on a two (2) year Regular Term Share Certificate (rate in effect on the last day of the previous month) if account balance is below $4,000 or account is less than four (4) years old on the date of the rate change. If the account balance is at least $4,000 and has been opened for at least four (4) years on the date rates change, the rate will be the two (2) year Regular Term Share Certificate Account rate plus ten (10) basis points (0.10%) effective the last day of the previous month. College Saver certificates mature on the date of your eighteenth (18th) birthday and cannot be renewed. Upon maturity, amounts on deposit in your College Saver Share Certificate Account will be transferred to your Regular Share Account unless otherwise directed.
9High-Yield Money Market. Dividends accrued daily and paid monthly.
10Health Savings Account. Tax savings are demonstrative and not guaranteed. Please consult your tax professional.