What are the current interest rates at Kinecta Federal Credit Union?

Current rates for Kinecta Federal Credit Union include: 12-Month CD: 2.75%, 24-Month CD: 3.80%, Savings: 0.05%, MMA: 0.05%

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Kinecta Federal Credit Union

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Kinecta Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join Kinecta Federal Credit Union?

Yes, to access services at Kinecta Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kinecta Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Kinecta Federal Credit Union's 24-Month Jumbo Promo CD rates are at 4.10%, 24-Month Jumbo Promo CD rates are at 3.95%, 24 month Promo CD rates are at 3.95%, 12-Month Jumbo Promo CD rates are at 3.90%, 12 month CDs rates are at 3.90%. Kinecta Federal Credit Union's savings rates are at 0.05%. Kinecta Federal Credit Union's money market rates are at 0.05%. Kinecta Federal Credit Union's Personal Loan Rates are at 6.24%. MonitorBankRates evaluates the financial stability of Kinecta Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.77%. Rates last updated and verified on 08/28/2026.

Kinecta Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kinecta Federal Credit Union? Share your experience about Kinecta Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Kinecta Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.77%

Excellent Lower than avg

Kinecta Federal Credit Union
Kinecta Federal Credit Union

1440 Rosecrans Ave
Manhattan Beach, CA 90266

https://www.kinecta.org

Kinecta Federal Credit Union CD Rates

Product	Rate	APY	Term
24-Month Jumbo Promo Certificate	-	4.10%	24 months
Min Deposit $100,000 Details Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate	-	3.95%	24 months
Min Deposit $100 Details Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 month Promo Certificate	-	3.95%	24 months
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate	-	3.90%	12 months
Min Deposit $100,000 Details Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 month Certificates	3.83%	3.90%	12 months
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 month	3.74%	3.80%	24 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate	-	3.75%	12 months
Min Deposit $100 Details Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 month Promo Certificate	-	3.75%	12 months
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 month Jumbo Certificate	2.96%	3.00%	12 month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 month Regular Certificate	2.77%	2.80%	12 month
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 month Jumbo Certificate	2.72%	2.75%	6 month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 month Liquid Certificate	-	2.75%	12 months
Min Deposit $100 Details Liquid - if you need the flexibility to withdraw and deposit while earning dividends. Penalty-free withdrawals of up to 50% of the balance as of account opening. 50% of any additional deposits made to the certificate, are also available for withdrawal, without penalty. At maturity, certificate will automatically renew at the prevailing certificate rate 12-month term. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 years Jumbo Certificate	2.67%	2.70%	3 years
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
4 years Jumbo Certificate	2.62%	2.65%	4 years
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 month Regular Certificate	2.62%	2.65%	6 month
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 month to 5 years Jumbo Certificate	-	2.60%	3 months to 5 years
Min Deposit $100,000 Details Jumbo - we offer even better rates if you deposit over $100,000. Based on length and balance. Additional deposits are not permitted. Terms to maturity equal to or less than one (1) year - penalty will equal to 90 days of dividends. Terms to maturity greater than one year - penalty will equal 180 days of dividends. At maturity, certificate will automatically renew at the prevailing certificate rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 years Regular Certificate	2.57%	2.60%	3 years
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
4 years Regular Certificate	2.52%	2.55%	4 years
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 month Jumbo Certificate	2.47%	2.50%	3 month
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 month to 5 years Regular Certificate	-	2.50%	3 months to 5 years
Min Deposit $100 Details Regular - if you're looking to deposit under $100,000. Based on length and balance. Additional deposits are not permitted. Terms to maturity equal to or less than one (1) year - penalty will equal to 90 days of dividends. Terms to maturity greater than one year - penalty will equal 180 days of dividends. At maturity, certificate will automatically renew at the prevailing certificate rate. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 month Regular Certificate	2.37%	2.40%	3 month
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Kinecta Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	-	5.00%
Min Deposit $25 Min Balance $0 Details Earn over 8x above the national savings average with tiered rates as high as 5.00% APY. Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime. Great way to build your savings. Deposit or withdraw as needed. No monthly service fee. Dividends accrued daily and paid monthly. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
High Yield Savings	-	3.00%
Min Deposit $25 Min Balance $500 Details Earn over 8x above the national savings average with tiered rates as high as 5.00% APY. Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime. Great way to build your savings. Deposit or withdraw as needed. No monthly service fee. Dividends accrued daily and paid monthly. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
High Yield Savings	-	2.75%
Min Deposit $25 Min Balance $50,000 Details Earn over 8x above the national savings average with tiered rates as high as 5.00% APY. Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime. Great way to build your savings. Deposit or withdraw as needed. No monthly service fee. Dividends accrued daily and paid monthly. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
High Yield Savings	-	0.05%
Min Deposit $25 Min Balance $100,000 Details Earn over 8x above the national savings average with tiered rates as high as 5.00% APY. Boost your savings without sacrificing flexibility. With our new High Yield Savings account, you earn our highest yield of our non-certificate options and get penalty-free access to your funds anytime. Great way to build your savings. Deposit or withdraw as needed. No monthly service fee. Dividends accrued daily and paid monthly. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Regular Share / Savings Account	0.05%	0.05%
Min Balance $5 Details Dividends accrued daily, paid quarterly. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Traditional Savings	-	0.05%
Min Deposit $5 Details Everyday savings made simple. Dividends credited quarterly. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Kinecta Federal Credit Union Money Market Rates

Product	Rate	APY
Money Markets	4.89%	5.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	2.96%	3.00%
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Money Market	-	3.00%
Min Deposit $10,000 Min Balance $0 Details Enjoy higher dividends on larger balances with this tiered-rate account. Competitive rates on higher deposits. Deposit or withdraw as needed. No monthly service fee. Dividend rate subject to change without notice after account opening. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	2.72%	2.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Money Market	-	2.75%
Min Deposit $10,000 Min Balance $10,000 Details Enjoy higher dividends on larger balances with this tiered-rate account. Competitive rates on higher deposits. Deposit or withdraw as needed. No monthly service fee. Dividend rate subject to change without notice after account opening. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	2.47%	2.50%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Money Market	-	2.50%
Min Deposit $10,000 Min Balance $50,000 Details Enjoy higher dividends on larger balances with this tiered-rate account. Competitive rates on higher deposits. Deposit or withdraw as needed. No monthly service fee. Dividend rate subject to change without notice after account opening. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	1.74%	1.75%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Money Market	-	1.75%
Min Deposit $10,000 Min Balance $100,000 Details Enjoy higher dividends on larger balances with this tiered-rate account. Competitive rates on higher deposits. Deposit or withdraw as needed. No monthly service fee. Dividend rate subject to change without notice after account opening. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	1.00%	1.00%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Money Market	-	1.00%
Min Deposit $10,000 Min Balance $250,000 Details Enjoy higher dividends on larger balances with this tiered-rate account. Competitive rates on higher deposits. Deposit or withdraw as needed. No monthly service fee. Dividend rate subject to change without notice after account opening. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Money Market Account	0.50%	0.50%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	0.50%	0.50%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Money Market Account	0.40%	0.40%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	0.40%	0.40%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Money Market Account	0.25%	0.25%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	0.25%	0.25%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Money Market Account	0.20%	0.20%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	0.20%	0.20%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Money Market Account	0.15%	0.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	0.15%	0.15%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Markets	0.05%	0.05%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Money Market	-	0.05%
Min Deposit $10,000 Min Balance $500,000 Details Enjoy higher dividends on larger balances with this tiered-rate account. Competitive rates on higher deposits. Deposit or withdraw as needed. No monthly service fee. Dividend rate subject to change without notice after account opening. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Kinecta Federal Credit Union Checking Rates

Product	Rate	APY
Checking	0.25%	0.25%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Checking	0.15%	0.15%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Checking	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Kinecta Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity	-	-	5.99%
Details FICO / CLTV: ?750, CLTV: ?60 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	6.49%
Details FICO / CLTV: ?750, CLTV: >80?85 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	6.74%
Details FICO/CLTV: ?750, CLTV: ?60 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	6.99%
Details FICO/CLTV: 720?749, CLTV: ?60 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.13%
Details FICO/CLTV: 720?749, CLTV: >60?70 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.24%
Details FICO/CLTV: 720?749, CLTV: >70?80 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.38%
Details FICO/CLTV: 680?719, CLTV: >60?70 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.50%
Details FICO/CLTV: 680?719, CLTV: >70?80 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.63%
Details FICO / CLTV: ?750, ?60 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.75%
Details FICO / CLTV: ?750, >60?70 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	7.88%
Details FICO / CLTV: ?750, >70?80 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	8.00%
Details FICO / CLTV: 720?749, >60?70 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	8.13%
Details FICO / CLTV: 720?749, >70?80 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	8.25%
Details FICO / CLTV: 680?719, >60?70 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	8.38%
Details FICO / CLTV: 680?719, >70?80 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	8.63%
Details FICO / CLTV: ?750, >80?85 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Home Equity	-	-	8.88%
Details FICO / CLTV: 720?749, >80?85 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Kinecta Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto & Vehicles	-	-	6.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
New Auto Loan	-	-	6.24%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Used Auto & Vehicles	-	-	6.74%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Used Auto Loan	-	-	6.74%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto & Vehicles Used	-	-	6.80%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Used Auto & Vehicles	-	-	6.80%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto & Vehicles New	-	-	7.05%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
New Auto & Vehicles	-	-	7.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto & Vehicles New	-	-	8.09%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
New Auto & Vehicles	-	-	8.09%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto & Vehicles Used	-	-	8.49%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Used Auto & Vehicles	-	-	8.49%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Kinecta Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MyPower Credit Card	-	5.99%
Details Balance Transfer Offer. After the intro period, the rate will convert to our standard variable APR. Kinecta APRs won't exceed 18%. Regular APR: 19.99% - 29.99% (variable). Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater; No Foreign Transaction Fees. Late Payment is up to $30; Returned Payment is up to $25. If you are charged interest, the charge will be no less than $1.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kinecta Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kinecta Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kinecta Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kinecta Federal Credit Union

Website https://www.kinecta.org

Address 1440 Rosecrans Ave, Manhattan Beach, CA 90266

Phone 310-643-2045

Fax 310-727-8220

President Suzanne Curtin

CEO Keith Sultemeier

Full-Time Employees 663

Part-Time Employees 17

Branch Locations 24

ATM Locations 30

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.77%

Return on Assets (ROA)

0.2665%

Return on Equity (ROE)

3.0082%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

6,518,274,224

Total Amount of Shares and Deposits

5,626,974,578

Total Shares and Deposits < 1 Year

5,218,417,034

Total Shares and Deposits 1 3 Years

391,138,379

Total Shares and Deposits > 3 Years

17,419,164

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

504,611,346

Total Uninsured Shares and Deposits > $250K (F+J)

504,611,346

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,122,363,232

Total Interest Expense (Sum of items 6 8)

95,471,591

Share Certificates

55,642

Number of Accounts for Share Drafts

121,433

IRA KEOGH Accounts

10,898

Number of Accounts for Regular Shares

261,845

Money Market Shares

7,302

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

209,629,912

Total Liabilities

5,957,486,738

Source: NCUA — Last Updated 09/30/2025

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Average Rating

☆☆☆☆☆

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Frequently Asked Questions About Kinecta Federal Credit Union

How many branches does Kinecta Federal Credit Union operate?

Kinecta Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kinecta Federal Credit Union?

Yes, to access services at Kinecta Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kinecta Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kinecta Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kinecta Federal Credit Union offer online and mobile banking?

Most modern institutions like Kinecta Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kinecta.org.