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Why Kinecta?

Because We're Banking Done Different.

We’re More Than Great Rates! 

Unlike banks that earn profits for their shareholders, credit unions reinvest our revenue to offer better rates for our individual and business members. That means Kinecta can pay higher dividends on the money you save. And we charge lower rates on your credit cards, home mortgage loans, vehicle purchases and so much more. 

But great rates are only the beginning. Because we’re smaller than the big banks, you matter more. Because we’re part of the community, we contribute more. And because you’re an owner as well as a member, you receive more benefits like discounts on products, services, and entertainment.

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

In short, Kinecta is a credit union that delivers everything you’d expect from a bank. And when you add outstanding service, great rates and special member benefits, you get something more. You get banking done different.

Our History Community Involvement Executive Staff

Join Us Today!

You don’t need to be a union member to join our credit union. There are four easy ways you can qualify for a Kinecta membership and none of them costs you a dime.

  1. Any immediate family or household member of a Kinecta member

  2. Any Select Employer Group (SEG) employee and their immediate family or household member

  3. Anyone who lives, works, or studies in select ZIP codes 

  4. Join the Innovision Society* during the Apply Online process. Kinecta will cover your one-time $10 membership fee. 

Become a Member Now - Apply Online

Becoming part of the Kinecta family only takes a few minutes, and the benefits can last for a lifetime.

  • Provide proof of age (18+) and a valid Social Security Number
  • Have a valid government ID
  • Provide contact, residence, and occupation information
  • Make a $5 minimum deposit

Of course, you can always stop by a branch at your convenience.

What You Can Expect From Kinecta

Outstanding Service

We remember your name because you aren’t just a member – you’re an owner and important to us

We even offer special discounts to our members

Great Rates

  • Low or no fees on many products and services
  • Comparatively lower rates on cards, loans, and lines
  • Higher-than-average returns on savings


  • More than 85,000 surcharge-free ATMs nationwide1
  • Access to more than 5,800 shared branches
  • Secure online and mobile banking2 with free bill pay

At Kinecta, we do what’s right for you

Infographic: "Empowering Southern Californians since 1940 to reach their goals and dreams: 1 we work to undestand what's important to you, 2 We design and implement a plan customized to your unique situation, 3 Together we own your plan to ensure it works, 4 We check in often to adjust as necessasry, 5 We celebrate together."

Why your bank should be a credit union graphic

Serving Our Communities

Our Reputation Speaks for Itself

Best of Awards

US Patriot Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.

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

2Mobile banking. Message and data rates may apply.

*Learn more about the Innovision Society