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.