We're here to help you build financial security.
Find great features on checking accounts, low rates on home and personal loans, credit cards, and more.
Banking products and services designed with you in mind.
Simplify your finances with credit cards that work for you!
- Cash back rewards card3
- Earn up to 3% cash back and an annual loyalty bonus.
- Credit building card
- Build or rebuild your credit with a secured card.
- No-fee card
- Enjoy a low interest rate and save on fees.
We meet your banking needs, whatever they are and wherever you are.
Checking & Savings Solutions
Higher deposit dividend rates
Early payday with direct deposit1
Loans That Meet Life's Needs
Personalized service & support
Low rates on loans
5,800+ shared branches nationwide
Higher dividends on deposits
85,000+ fee-free ATMs nationwide2
We invest in and serve the communities where our members live and work.
Kinecta Community Foundation
We give back to our communities through volunteerism and financial support, with over $880,000 donated in 2021.
Student and Teacher Scholarships
Kinecta provides eight $2,000 scholarships each year to help full-time students achieve their educational goals. Kinecta also awards six teaching grants annually to support outstanding educators.
Watch these quick videos to expand your financial knowledge and to help you better manage your money.
*Annual percentage yield (APY) is accurate as of 7/11/2022. The minimum balance to open share certificate and obtain APY is $100. A certificate 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, certificate will automatically renew at the prevailing certificate rate. For complete account terms and conditions refer to the Agreements and Disclosures booklet. Membership required.
1Early 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.
2ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess fees.
3Cash back. Earn 3% on gas (up to $6000 in annual purchases) and 2% on groceries (up to $6000 in annual purchases). Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments. Relationship bonus. Paid as a statement credit and is non-transferable. The Relationship Bonus is applied toward Cash Back Rewards earned from the date the account is opened. Relationship Bonus is paid on anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example: Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward of $273.60. For more details about the Cash Back Reward Program, click here.