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What makes Kinecta so special?

From its earliest days, the credit union’s mission was to be “the preferred and most trusted life-long financial partner in the communities we serve.” Today we simply call it, banking done different®.

Today, Kinecta Federal Credit Union (Kinecta) is America’s 35th largest credit union, proudly representing over 270,000 member-owners with assets of $6.6 billion. Our 800+ employees serve members and 440 employer groups from 32 branches, a variety of specialty offices, and highly responsive call centers on both coasts.

Our online banking, bill pay, and mobile features are secure and convenient, giving our members flexibility plus access to over 5,800 shared credit union branches and more than 85,000 surcharge-free ATMsnationwide. And when it comes to commercial enterprises, the Small Business Administration ranked Kinecta the #1 credit union for lending in all of Southern California in 2019.

Our mission: To guide our members and communities to financial security. This is what we strive for in every interaction, in every community event, and in every donation we make. From our free online financial workshops to financial recommendations tailored for your life events, we invest heavily in helping our members live their best life.

In addition to our banking, lending, insurance2, and wealth services3, Kinecta has consistently prioritized giving back to the communities where our members and employees live, learn, and work. In 2021 alone, Team Kinecta volunteered more than 5,118 hours for over 225 community events, providing essential resources to roughly 250 local nonprofits. Additionally, Kinecta and its members raised more than $880,000 to support local community-based programs.

Kinecta’s Diversity, Equity and Inclusion (DEI) Council launched in 2020 during a pivotal point in history. We set out to recognize, advocate and foster a culture of diversity, equality and inclusion across our organization that is equitable for our employees and the communities we serve. Read more

Man in aircraft                                                                   

It’s been quite a journey from our modest beginnings. In 1940, twelve engineers at Hughes Aircraft, the aviation company formed by multi-millionaire Howard Hughes, grew tired of driving into town to conduct their banking and decided to open a credit union right in the plant. Each of them chipped in $5 to form the Hughes Aircraft Employees Federal Credit Union, with assets of $60 and first reported net income of one-cent.

During the war years, Hughes Aircraft Employees Federal Credit Union offered its first auto and personal loans, with a maximum of $200. A new car at the time cost an average of $500. HAEFCU continually found innovative ways to provide outstanding service for members.

When Raytheon Corporation acquired Hughes Aircraft in 1997, it became clear that a new brand was needed. Members advocated for a name that suggested “community and family.” The name Kinecta – suggesting kinetic energy and connection with our members – was formally adopted in 2001.

Community Details        Join Us

Annual Report 2020

Annual Report 2019

Annual Report 2018

Annual Report 2017

Annual Report 2016

Kinecta Federal Credit Union is a federally chartered credit union regulated by the NCUA. To address concerns related to Kinecta, please contact:
   National Credit Union Administration
   Office of Consumer Protection (OCP) & Division of Consumer Compliance and Outreach (DCCO)
   1775 Duke Street, Alexandria, VA 22314

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

2Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.

3Securities 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 the name 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. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency 

Not Credit Union Guaranteed  

Not Credit Union Deposits or Obligations  

  May Lose Value  

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.