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Banking done different®

We believe people should come before profits and take a consultative approach to help members achieve their financial goals. Because when our members do well, we all do.

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    All about our members

    Kinecta is all about convenience, support and community. Kinecta membership includes such benefits as lower loan and credit card rates, higher deposit rates, shared access to over 5,800 shared credit unions and over 85,000+ fee-free ATMs1 nationwide. ATMs are connected to the Allpoint and CO-OP networks and are often found in stores such as Target, Costco and CVS.

    We help members plan their financial futures by understanding their goals and presenting options and solutions to help members attain them. In addition to helping members, we also help support the communities we serve through charitable donations and events.
    You can find one of our 25 Kinecta branch offices in California and New York.

    Tech-savvy

    Our highly rated mobile app and online banking features allow members to perform activities while they're at home or on the go2 including:

    • Viewing transactions
    • Transferring money
    • Paying bills
    • Paying a person
    • Quick applying – credit card/personal/auto/home loans
    • Locking and unlocking your debit card
    • Accessing live chat, sending a secure message or scheduling an appointment

    Keeping capital local

    We give back to the communities where our members live, work and do business. In 2023, we donated more than $1,200,000 to charitable causes, volunteered over 7,000 hours and participated in over 200 community events.

    Diversity, equity and inclusion

    Kinecta’s Diversity, Equity and Inclusion (DEI) Council launched in 2020, during a pivotal point in history. We set out to recognize, advocate for and foster a culture that welcomes people from all walks of life, and we believe in serving our employees and the communities we support in an equitable manner. Read more.

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    Feel secure in uncertain times

    As a federally chartered credit union, deposits of up to $250,000 are insured by NCUA. But unlike banks, which cater to shareholders and corporations, our decisions are made with only the best interests of our member-owners in mind. We're more Main Street than Wall Street. Your money’s safe with us.

    Spoofing Scams on the Rise

    Scammers use caller ID spoofing to impersonate financial institutions and trick consumers into providing personal information they can use to commit fraud on their accounts.
    Read Article

    1ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess a fee.

    2Mobile Banking. Message and data rates may apply.