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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.
| 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 ($5 value) Wire transfer (up to $50 value) | Cashier’s check ($5 value) Wire transfer (up to $50 value) |
| NSF reversal5 | Up to $25 value | Up to $25 value |
| Debit card daily limit increase6 | $5,500 | $5,500 |
| Free checks7 | 2 boxes per year | 2 boxes per year |
| Reduced closing costs on a first mortgage8 | $250 off | $500 off |
| Priority processing on a first mortgage | Yes | Yes |
| Priority call center service | Yes | Yes |
1Securities 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 are 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. Certain fixed insurance products may also be offered through Kinecta Financial & Insurance Services, a subsidiary of Kinecta Federal Credit Union. Securities and insurance offered through LPL or its affiliates and fixed insurance products offered through Kinecta Financial & Insurance Services are:
Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
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.
5Eligible fee: Non-Sufficient Funds (NSF) ($25). One fee reversed per VIP eligibility period (January–June and July–December).
6Combined maximum of $5,500 point-of-sale (POS) and signature transactions, with a $5,000 maximum for POS.
7Two (2) free boxes per calendar year of “Kinecta”- or “Spruce Goose”-style checks, or equal value per box, may be applied to cost of any other style check.
8Includes refinancing of loans from Kinecta or other financial institutions. May be applied once in any 12-month period.
Terms and conditions subject to change.
