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VIP Programs

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.

Eligibility

Gold Club

  • Minimum of $150,000 in combined balances (loans, deposits, & investments1) including minimum of $10,000 in deposits & investments
  • Either of the following: (A) minimum monthly average direct deposit of $250 to share accounts; OR (B) minimum monthly average of three (3) transactions tied to share accounts2

Hughes Gold Elite Club

  • Minimum of $150,000 in combined balances (loans, deposits, & investments1) including minimum of $10,000 in deposits & investments
  • Either of the following: (A) minimum monthly average direct deposit of $250 to share accounts; OR (B) minimum monthly average of three (3) transactions tied to share accounts2
  • Kinecta member for 20+ years
Expand features to compare products
BenefitsGold ClubHughes Gold Elite Club
Rate boost on new and renewing certificates30.05%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 reversal5Up to $25 valueUp to $25 value
Debit card daily limit increase6$5,500$5,500
Free checks72 boxes per year 2 boxes per year
Reduced closing costs on a first mortgage8$250 off$500 off
Priority processing on a first mortgageYesYes
Priority call center serviceYesYes

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.