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

Current rates for Kinecta Federal Credit Union include: 12-Month CD: 2.75%, 18-Month CD: 4.20%, 24-Month CD: 2.65%, 60-Month CD: 2.65%, Savings: 5.00%, MMA: 3.50%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Kinecta Federal Credit Union

iAdvertiser Disclosure

Kinecta Federal Credit Union Rates & Review October 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: October 12, 2026

Kinecta Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its 18-Month Promo CD, 5.00% APY on savings, 3.50% APY on money market accounts, 0.25% APY on checking, personal loans from 9.74% APR, and credit cards from 13.49% APR, according to rates verified by MonitorBankRates. Other Kinecta Federal Credit Union CD rates include 18-Month Promotional CD at 4.50%, 18-Month Promo CD at 4.35%, and 18-Month Promotional CD at 4.35%. 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 3.82%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kinecta Federal Credit Union
Kinecta Federal Credit Union

1440 Rosecrans Ave
Manhattan Beach, CA 90266

https://www.kinecta.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Kinecta Federal Credit Union CD Rates

Product	Rate	APY	Term
18-Month Promo Certificate	-	4.50%	18 Month
Min Deposit $100,000 Min Balance $100,000 Details Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000. Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35% Oct 8, 20264.50%▲ from 4.35% Oct 4, 20264.35%▼ from 4.50% Sep 25, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18-Month Promotional Certificate	4.41%	4.50%	18 months
Min Balance $100,000 Details Balance: $100,000+; Jumbo Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18-Month Promo Certificate	-	4.35%	18 months
Min Deposit $100 Min Balance $100 Details Or, 4.35% APY* with $100 min. Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35% Oct 12, 20264.35%▼ from 4.50% Oct 4, 20264.50%▲ from 4.35% Sep 25, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18-Month Promo Certificate	-	4.35%	18 Month
Min Deposit $100 Min Balance $100 Details Promotional certificate. The minimum balance to open jumbo share certificate and obtain APY is $100,000. Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35% Oct 12, 20264.35%▼ from 4.50% Oct 4, 20264.50%▲ from 4.35% Sep 25, 20264.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18-Month Promotional Certificate	4.266%	4.35%	18 months
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
9-Month Promo Certificate	-	4.00%	9 Month
Min Deposit $100,000 Min Balance $100,000 Details Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
9-Month Promotional Certificate	3.928%	4.00%	9 months
Min Balance $100,000 Details Balance: 100,000 and above; Jumbo Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
9-Month Promo Certificate	-	3.85%	9 months
Min Deposit $100 Min Balance $100 Details Or, 3.85% APY* with $100 min. Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 3.85% → 3.85% ▼ 0.00 pts · high 4.00% / low 3.85% Oct 12, 20263.85%▼ from 4.00% Oct 4, 20264.00%▲ from 3.85% Sep 25, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
9-Month Promo Certificate	-	3.85%	9 Month
Min Deposit $100 Min Balance $100 Details Promotional certificate. The minimum balance to open jumbo share certificate and obtain APY is $100,000. Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 3.85% → 3.85% ▼ 0.00 pts · high 4.00% / low 3.85% Oct 12, 20263.85%▼ from 4.00% Oct 4, 20264.00%▲ from 3.85% Sep 25, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
9-Month Promotional Certificate	3.784%	3.85%	9 months
Min Balance $0 Details Balance: Under $100,000; Regular Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
9-Month Promotional Certificate	3.784%	3.85%	9 months
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Jumbo Certificate	3.397%	3.45%	5 years
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Traditional/Roth IRA Share Certificate	3.397%	3.45%	5 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Jumbo Certificate	3.348%	3.40%	4 years
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Traditional/Roth IRA Share Certificate	3.348%	3.40%	4 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Jumbo Certificate	3.30%	3.35%	2 years
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Traditional/Roth IRA Share Certificate	3.30%	3.35%	2 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Jumbo Certificate	3.30%	3.35%	3 years
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Traditional/Roth IRA Share Certificate	3.30%	3.35%	3 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Regular Certificate	3.251%	3.30%	5 years
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Traditional/Roth IRA Share Certificate	3.251%	3.30%	5 years
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Jumbo Certificate	3.203%	3.25%	12 month
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Traditional/Roth IRA Share Certificate	3.203%	3.25%	12 month
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Regular Certificate	3.203%	3.25%	4 years
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Traditional/Roth IRA Share Certificate	3.203%	3.25%	4 years
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Regular Certificate	3.154%	3.20%	2 years
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Traditional/Roth IRA Share Certificate	3.154%	3.20%	2 years
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Regular Certificate	3.154%	3.20%	3 years
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Traditional/Roth IRA Share Certificate	3.154%	3.20%	3 years
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Regular Certificate	3.057%	3.10%	12 month
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Traditional/Roth IRA Share Certificate	3.057%	3.10%	12 month
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Jumbo Certificate	2.862%	2.90%	6 month
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Traditional/Roth IRA Share Certificate	2.862%	2.90%	6 month
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12-Month Liquid Certificate	2.716%	2.75%	12 months
Min Deposit $100 Min Balance $100 Details Balance: $100 minimum opening balance Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Regular Certificate	2.716%	2.75%	6 month
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Traditional/Roth IRA Share Certificate	2.716%	2.75%	6 month
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Jumbo Certificate	2.57%	2.60%	3 month
Min Balance $100,000 Details Jumbo Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate	2.57%	2.60%	3 month
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Regular Certificate	2.472%	2.50%	3 month
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate	2.472%	2.50%	3 month
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business 18-Month Promotional Certificate	4.266%	4.35%	18 months
Min Balance $100,000 Details Balance: $100,000+; Jumbo Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business 18-Month Promotional Certificate	4.121%	4.20%	18 months
Min Balance $0 Details Regular Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business 9-Month Promotional Certificate	3.784%	3.85%	9 months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business 9-Month Promotional Certificate	3.639%	3.70%	9 months
Min Balance $0 Details Balance: Under $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Business Jumbo Certificate	2.96%	3.00%	12 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Business Regular Certificate	2.765%	2.80%	12 month
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Business Jumbo Certificate	2.716%	2.75%	2 years
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Business Jumbo Certificate	2.716%	2.75%	5 years
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Business Jumbo Certificate	2.716%	2.75%	6 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Business Jumbo Certificate	2.667%	2.70%	3 years
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Business Regular Certificate	2.618%	2.65%	2 years
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Business Jumbo Certificate	2.618%	2.65%	4 years
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Business Regular Certificate	2.618%	2.65%	5 years
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Business Regular Certificate	2.618%	2.65%	6 month
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Business Regular Certificate	2.57%	2.60%	3 years
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Business Regular Certificate	2.521%	2.55%	4 years
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Business Jumbo Certificate	2.472%	2.50%	3 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Business Regular Certificate	2.374%	2.40%	3 month
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	4.889%	5.00%
Min Balance $0 Details Balance: $0 - $499.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	-	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $499.99; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
College Saver	-	3.20%
Min Deposit $100 Min Balance $100 Details Term: Reaches maturity on 18th birthday; Additional deposits are permitted at any time prior to maturity. 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. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
College Saver Certificate	3.154%	3.20%
Min Deposit $100 Details Balance: $100 minimum opening balance Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	2.96%	3.00%
Min Balance $500 Details Balance: $500 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	-	3.00%
Min Deposit $25 Min Balance $500 Details Balance: $500 - $49,999; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	2.716%	2.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	-	2.75%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Health Savings Account Family	0.10%	0.10%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Health Savings Account Single	0.10%	0.10%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings	-	0.05%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Traditional Savings	-	0.05%
Min Deposit $5 Details Everyday savings made simple. Dividends credited quarterly. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Regular Share / Savings Account	0.05%	0.05%
Min Balance $5 Details Dividends accrued daily, paid quarterly. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Money Market Rates

Product	Rate	APY
Signature Money Market	3.445%	3.50%
Min Balance $300,000 Details Balance: $300,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	-	3.25%
Min Deposit $10,000 Min Balance $200,000 Details Balance: $200,000 - $299,999; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	3.203%	3.25%
Min Balance $200,000 Details Balance: $200,000 - $299,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	-	3.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $199,999; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	-	2.75%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	2.716%	2.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Money Market Account	0.499%	0.50%
Min Balance $100,000 Details Balance: Over $100,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Money Market Account	0.399%	0.40%
Min Balance $50,000 Details Balance: $50,000 $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Money Market Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Money Market Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	-	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: $0 - $49,999; Deposit or withdraw as needed. No monthly service fee Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Money Market Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Money Market Account	0.15%	0.15%
Min Balance $0 Details Balance: Under $2,500 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.499%	0.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.499%	0.50%
Min Balance $250,000 Details Balance: $250,000 + Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Money Market (Personal & Business)	0.499%	0.50%
Min Balance $100,000 Details Balance: $100,000 $249,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Money Market (Personal & Business)	0.499%	0.50%
Min Balance $250,000 Details Balance: $250,000 + Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.399%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Money Market (Personal & Business)	0.399%	0.40%
Min Balance $50,000 Details Balance: $50,000 $99,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Money Market (Personal & Business)	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 $49,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Money Market (Personal & Business)	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 $9,999 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Money Market (Personal & Business)	0.15%	0.15%
Min Balance $0 Details Balance: $0 $2,499 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Checking Rates

Product	Rate	APY
Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $4,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Adjustable - Line of Credit 6 Month Introductory Rate	6.49%	-	6.49%
Details FICO / CLTV: >8085 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	7.24%	-	7.24%
Details FICO/CLTV: >=750 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	7.49%	-	7.49%
Details FICO/CLTV: 720749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	7.625%	-	7.625%
Details FICO/CLTV: 720749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	7.74%	-	7.74%
Details FICO/CLTV: 720749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	7.875%	-	7.875%
Details FICO/CLTV: 680719 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	8.00%	-	8.00%
Details FICO/CLTV: 680719 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	8.25%	-	8.25%
Details FICO/CLTV: >=750 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	8.375%	-	8.375%
Details FICO / CLTV: >=750; CLTV: <=60 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	8.50%	-	8.50%
Details FICO / CLTV: >=750; CLTV: >6070 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	8.50%	-	8.50%
Details FICO/CLTV: 720749 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	8.625%	-	8.625%
Details FICO / CLTV: >=750; CLTV: >7080 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	8.75%	-	8.75%
Details FICO / CLTV: 720749; CLTV: >6070 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	8.875%	-	8.875%
Details FICO / CLTV: 720749; CLTV: >7080 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	9.00%	-	9.00%
Details FICO / CLTV: 680719; CLTV: >6070 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	9.125%	-	9.125%
Details FICO / CLTV: 680719; CLTV: >7080 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	9.375%	-	9.375%
Details FICO / CLTV: >=750; CLTV: >8085 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	9.625%	-	9.625%
Details FICO / CLTV: 720749; CLTV: >8085 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Used Auto Loan	-	-	6.80%
Details As Low As Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.49% → 6.80% ▼ 1.69 pts · high 8.49% / low 6.80% Oct 8, 20266.80%▼ from 8.49% Sep 16, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
New Auto Loan	-	-	7.05%
Details As Low As Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 8.09% → 7.05% ▼ 1.04 pts · high 8.09% / low 7.05% Oct 8, 20267.05%▼ from 8.09% Sep 16, 20268.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycle - New Loan	-	6.24%
Details As Low As; New Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle - Used Loan	-	6.74%
Details As Low As; Used Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Boat, RV & Travel Trailer - New Loan	-	8.09%
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Boat, RV & Travel Trailer - Used Loan	-	8.49%
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Credit Card Rates

Product	Rate	APR
MyPerks (Rewards) Credit Card	-	13.49%
Details Published APR range: 13.49% - 18.00%. Regular APR: 13.49% - 18.00% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
MyPro (Business) Credit Card	-	13.49%
Details Published APR range: 13.49% - 18.00%. Regular APR: 15.49% - 18.00% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans & Lines - Loan	9.74%
Details Published APR range: 9.74% - 18.00%. Rates from 9.74% - 18.00% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Personal Line of Credit	10.49%
Details Published APR range: 10.49% - 18.00%. Rates from 10.49% - 18.00% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	10.49%
Details Published APR range: 10.49% - 18.00%. Rates from 10.49% - 18.00% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Contributory & Roth Accounts No Payroll Deduction	0.05%	-	0.05%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
IRA Contributory & Roth Accounts Payroll Deduction	0.05%	-	0.05%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Liquid	-	-	2.75%	12 months
Min Deposit $100 Min Balance $100 Details Additional deposits are permitted at any time prior to maturity. 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. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular	-	-	2.50%	3 months to 5 years
Min Deposit $100 Min Balance $100 Details Published APY range: 2.50% - 3.30%. 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. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

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.

Financial Health History

Kinecta Federal Credit Union’s Texas Ratio stayed near 3.95% in Q3 2023 to 3.82% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.8B	3.82%	5.0	A+
March 31, 2026	$6.4B	3.42%	5.0	A+
December 31, 2025	$6.5B	3.49%	5.0	A+
September 30, 2025	$6.5B	3.77%	5.0	A+
June 30, 2025	$6.4B	3.22%	5.0	A+
March 31, 2025	$6.6B	3.57%	5.0	A+
December 31, 2024	$6.7B	4.49%	5.0	A+
September 30, 2024	$6.7B	4.20%	5.0	A+
June 30, 2024	$6.8B	3.96%	5.0	A+
March 31, 2024	$6.8B	3.51%	5.0	A+
December 31, 2023	$6.8B	3.75%	5.0	A+
September 30, 2023	$6.8B	3.95%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 24

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

3.82%

Return on Assets (ROA)

0.1625%

Return on Equity (ROE)

1.8717%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

6,770,425,568

Total Amount of Shares and Deposits

5,652,356,182

Total Shares and Deposits < 1 Year

5,526,655,080

Total Shares and Deposits 1 3 Years

109,757,908

Total Shares and Deposits > 3 Years

15,943,195

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

498,014,130

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

498,014,130

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

5,154,342,052

Total Interest Expense (Sum of items 6 8)

64,397,099

Share Certificates

54,797

Number of Accounts for Share Drafts

119,996

IRA KEOGH Accounts

10,421

Number of Accounts for Regular Shares

239,687

Money Market Shares

35,737

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)

219,893,840

Total Liabilities

6,195,320,921

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Kinecta Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/kinecta-federal-credit-union-rates-review-4142">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Kinecta Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Kinecta Federal Credit Union

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.

Current Kinecta Federal Credit Union Rates

12-Month CD2.75%
18-Month CD4.20%
24-Month CD2.65%
60-Month CD2.65%
Savings5.00%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Kinecta Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Kinecta Federal Credit Union Texas Ratio

Kinecta Federal Credit Union Health Trend

Kinecta Federal Credit Union CD Rates

Kinecta Federal Credit Union Business CD Rates

Kinecta Federal Credit Union Savings Rates

Kinecta Federal Credit Union Business Savings Rates

Kinecta Federal Credit Union Money Market Rates

Kinecta Federal Credit Union Business Money Market Rates

Kinecta Federal Credit Union Checking Rates

Kinecta Federal Credit Union Home Equity & HELOC

Kinecta Federal Credit Union Auto Loan Rates

Kinecta Federal Credit Union RV, Boat and Powersport Loan Rates

Kinecta Federal Credit Union Credit Card Rates

Kinecta Federal Credit Union Personal Loan Rates

Kinecta Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Kinecta Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Kinecta Federal Credit Union

How many branches does Kinecta Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Kinecta Federal Credit Union offer online and mobile banking?

Current Kinecta Federal Credit Union Rates

Compare to Other Credit Unions