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A different chapter starts right here.
Home Equity Loans
Unlock your home's value with a low-rate home equity loan.
Credit Cards
Experience low rate credit with the MyPower† card.
Auto & Personal Loans
Get financing for vehicles dealer or private party and explore personal loans from $1,000 to $100,000.
Open a ProtectPlus™ checking account that’s different.
Automatically become a Kinecta member when you open a checking account and enjoy checking benefits and membership perks.
Early payday
Get paid up to 2 days early when you set up your checking account for direct deposit.2
85,000 no-fee ATMs3
Enjoy fee-free ATMs at Target, CVS, 7‑Eleven and more, plus no fees for out of network ATMs.
Fewer fees & penalties
Enjoy unlimited cashier’s checks, plus one waived fee per month for wire transfers and NSF charges.
Enhanced security
Get access to ID theft protection, roadside assistance, cell phone insurance and more.
Bank with confidence.
Enjoy the convenience of digital banking with smart security tools that keep your account safe, no matter where you are.
Digital Banking
Transactions and balances
Stay in control of your finances with quick account access and recent transactions.
Zelle®
Send money in a fast, safe and easy way.
Mobile deposit
Got a check? Deposit it by taking a picture of it on the app.
Live support
Access live chat, send a secure message or schedule an appointment.
Banking Security
Card management
Quickly block your card, update your PIN or add to your digital wallet.
Custom alerts
Set alerts for activity on your accounts.
Secure sign on
Utilize multi-factor authentication with phone, text, email or an authenticator app.
Credit score
Sign up for free credit monitoring so you can be alerted to any changes.
Choosing Kinecta means choosing yourself.
At Kinecta, we believe people should come before profit, always. We guide our members to financial security through expert guidance and tailored solutions. Because when our members do well, we all do.
Community support
In 2024, we donated more than $1,100,000 to charitable causes, volunteered over 7,000 hours and participated in over 200 community events.
Teacher and student grants
We award twelve grants up to $2,000 annually to fund supplemental educational instruction, creative classroom projects and procurement of school supplies.
Financial education
We’re dedicated to helping our members achieve their goals by expanding their financial knowledge. Here are some quick videos to help you get started.
Security in uncertain times
As a federally chartered credit union, deposits of up to $250,000 are insured by NCUA. But unlike banks that cater to shareholders and corporations, we make decisions with our member-owners in mind.
Community hub for members
Our locations were designed to make you feel right at home. Whether you need to open an account, apply for a loan, send wires or more, we can help.
Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
"National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.
*Annual Percentage Yield (APY) is accurate as of 08/19/25 and may change without notice until the account is opened.
†MYPOWER TERMS AND CONDITIONS - click here.
15-month certificate: Offer available 09/16/2025 to 10/27/2025. 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, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
1ProtectPlus benefits are available only under the same membership. Estimated value is based on approximate monthly cost or savings for similar marketplace benefits and is subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through ProtectPlus.No cash value is implied with the use of this account or any of its features. ProtectPlus Checking accounts are dividend-bearing accounts. For the current dividends and corresponding Annual Percentage Yield (APY), refer to the Dividend Rate Sheet. Only one (1) Non-Sufficient Funds (NSF) fee and one (1) Domestic Wire fee may be waived monthly. An NSF fee is assessed for item(s) returned unpaid due to insufficient/uncollected funds including, but not limited to checks and Automated Clearing House (ACH) transactions (per presentment). New or renewing certificates are eligible for a rate increase, excluding all other promotions including, but not limited to, promotional certificates. ProtectPlus benefits cannot be combined with other relationship benefits and benefits do not roll over. Refer to Kinecta Federal Credit Union’s Agreements and Disclosures booklet and Consumer Schedule of Fees and Charges for additional terms and conditions such as fees, payment of dividends and other details applicable to your specific account. Terms and conditions subject to change. Visit kinecta.org/ProtectPlus for more details on ProtectPlus benefits.
2Early payday. Access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to two days earlier than the effective payroll payment date.
3ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.
4APR = 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 and APR may vary and are subject to change based on several factors, including, but not limited to, loan amount, loan program, occupancy, property type, loan to value, credit score, creditworthiness, qualification, and collateral conditions. Your rate and APR may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
Home Equity Line of Credit (HELOC) with Introductory (Intro) Rate. Requires minimum initial draw of $25,000 (or $25,000 plus any balance on existing Kinecta home equity loan) at time of closing. This is a variable-rate line of credit. The APR is based upon The Wall Street Journal Prime Rate index plus a margin. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial discounted rate that will be in effect for 6 months. Your rate may increase, or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan. The rate and APR range is 4% minimum to 18% maximum. As of 9/18/2025 Prime Rate is 7.250%. This program includes a 10-year draw period followed by a 20-year repayment period. The minimum loan limit is $25,000 and the maximum loan limit is $500,000. Early termination fee (as allowed by subject property state) of $995 if HELOC is terminated/closed within 36 months of opening. HELOC not available in Texas.
All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. Kinecta IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle®.
