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Kinecta Federal Credit Union

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Kinecta Federal Credit Union Rates & Review November 2026

Q: 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: 3.20%, 24-Month CD: 2.65%, 60-Month CD: 2.65%, Savings: 5.00%, MMA: 3.50%

Q: What CD terms does Kinecta Federal Credit Union offer?

Kinecta Federal Credit Union CD rates are 3.50% APY for an 8 month CD, 2.75% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.20% APY for a 2 year CD, 5.00% APY for a 30 month CD, 3.25% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Kinecta Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Kinecta Federal Credit Union's 30-Month Promotional CD 1 (Personal) rates are at 5.00%, 5 Year Regular CD (Personal) rates are at 3.55%, 8-Month Promotional CD 1 (Personal) rates are at 3.50%, 4 Year Regular CD (Personal) rates are at 3.25%, 2 Year Regular CD (Personal) rates are at 3.20%. Kinecta Federal Credit Union's savings rates are at 5.00%. Kinecta Federal Credit Union's money market rates are at 3.50%. Kinecta Federal Credit Union's checking rates are as high as 0.25%. Kinecta Federal Credit Union's Personal Loan Rates are as low as 9.74%. Kinecta Federal Credit Union's Credit Card Rates are at 13.49%. Kinecta Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/28/2026.

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.

Verified Healthy 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

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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
30-Month Promotional Certificate 1 (Personal)	4.889%	5.00%	30 months
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo; Dividend Rate / APY as printed: 4.889% / 5.000%; Rates effective as of October 20, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Regular & Jumbo Certificates (Personal) - Jumbo	3.639%	3.70%	5 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 23, 20263.70%▲ from 3.45% Oct 15, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Regular & Jumbo Certificates (Personal) - Regular	3.494%	3.55%	5 years
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 23, 20263.55%▲ from 3.30% Oct 15, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Regular Certificate (Personal)	3.494%	3.55%	5 years
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 23, 20263.55%▲ from 3.30% Oct 15, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
8-Month Promotional Certificate 1 (Personal)	3.445%	3.50%	8 months
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Regular & Jumbo Certificates (Personal) - Jumbo	3.348%	3.40%	4 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
8-Month Promotional Certificate 1 (Personal)	3.348%	3.40%	8 months
Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Regular & Jumbo Certificates (Personal) - Jumbo	3.30%	3.35%	2 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Regular & Jumbo Certificates (Personal) - Jumbo	3.30%	3.35%	3 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Regular & Jumbo Certificates (Personal) - Jumbo	3.203%	3.25%	12 month
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Regular & Jumbo Certificates (Personal) - Regular	3.203%	3.25%	4 years
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Regular Certificate (Personal)	3.203%	3.25%	4 years
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Regular & Jumbo Certificates (Personal) - Regular	3.154%	3.20%	2 years
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Regular Certificate (Personal)	3.154%	3.20%	2 years
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Regular & Jumbo Certificates (Personal) - Regular	3.154%	3.20%	3 years
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Regular Certificate (Personal)	3.154%	3.20%	3 years
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
18 month College Saver Certificate	-	3.20%	18 months
Min Deposit $100 Min Balance $100 Details Term: Reaches maturity on 18th birthday; Member must be under 18 to open; Certificate Loan Eligible: No; Additional deposits permitted prior to maturity; Cannot be renewed Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Regular & Jumbo Certificates (Personal) - Regular	3.057%	3.10%	12 month
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Regular Certificate (Personal)	3.057%	3.10%	12 month
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Regular & Jumbo Certificates (Personal) - Jumbo	2.96%	3.00%	6 month
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90% Oct 23, 20263.00%▲ from 2.90% Oct 15, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Regular & Jumbo Certificates (Personal) - Regular	2.813%	2.85%	6 month
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75% Oct 23, 20262.85%▲ from 2.75% Oct 15, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
6 Month Regular Certificate (Personal)	2.813%	2.85%	6 month
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75% Oct 23, 20262.85%▲ from 2.75% Oct 15, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12 Month Liquid Certificate	-	2.75%	12 months
Min Deposit $100 Min Balance $100 Details Certificate Loan Eligible: No; Additional deposits permitted prior to maturity; Penalty-free withdrawals up to 50% of balance as of account opening Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12-Month Liquid Certificate (Personal)	2.716%	2.75%	12 months
Min Deposit $100 Min Balance $100 Details Balance Requirement: $100 minimum opening balance; minimum balance to open and obtain APY is $100 for regular personal share certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Jumbo Certificate	-	2.75%	3 months to 5 years
Min Deposit $100,000 Min Balance $100,000 Details APY range: 2.75% - 3.70%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 23, 20262.75%▲ from 2.60% Sep 25, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Regular & Jumbo Certificates (Personal) - Jumbo	2.716%	2.75%	3 month
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 23, 20262.75%▲ from 2.60% Oct 15, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Regular & Jumbo Certificates (Personal) - Regular	2.618%	2.65%	3 month
Min Balance $100 Details Balance: Under $100,000; Regular Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 23, 20262.65%▲ from 2.50% Oct 15, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Regular Certificate	-	2.65%	3 months to 5 years
Min Deposit $100 Min Balance $100 Details APY range: 2.65% - 3.55%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted; Deposits under $100,000 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 23, 20262.65%▲ from 2.50% Sep 25, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Month Regular Certificate (Personal)	2.618%	2.65%	3 month
Min Balance $100 Details Balance: Under $100,000; Dividend Rate / APY as printed in source table Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 23, 20262.65%▲ from 2.50% Oct 15, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Business CD Rates

Product	Rate	APY	Term
30-Month Promotional Certificate 1 (Business)	3.928%	4.00%	30 months
Min Balance $100,000 Details Jumbo; Balance: $100,000 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
30-Month Promotional Certificate 1 (Business)	3.832%	3.90%	30 months
Details Regular; Balance: Under $100,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
8-Month Promotional Certificate 1 (Business) - Jumbo	3.30%	3.35%	8 months
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo; Book Appointment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
8-Month Promotional Certificate 1 (Business) - Regular	3.154%	3.20%	8 months
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open a business share certificate and obtain APY; Book Appointment Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 12 month	2.96%	3.00%	12 month
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 12 month	2.765%	2.80%	12 month
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
12-Month Liquid Certificate (Business)	2.716%	2.75%	12 months
Min Deposit $500 Min Balance $500 Details Balance requirement: $500 minimum opening balance; Dividend Rate / APY shown as 2.716% / 2.750% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Regular & Jumbo Certificates (Business) - Jumbo	2.716%	2.75%	2 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Regular & Jumbo Certificates (Business) - Jumbo	2.716%	2.75%	5 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 2 years	2.716%	2.75%	2 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 5 years	2.716%	2.75%	5 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 6 month	2.716%	2.75%	6 month
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Regular & Jumbo Certificates (Business) - Jumbo	2.667%	2.70%	3 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 3 years	2.667%	2.70%	3 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
2 Year Regular & Jumbo Certificates (Business) - Regular	2.618%	2.65%	2 years
Min Balance $500 Details Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Regular & Jumbo Certificates (Business) - Jumbo	2.618%	2.65%	4 years
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
5 Year Regular & Jumbo Certificates (Business) - Regular	2.618%	2.65%	5 years
Min Balance $500 Details Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 2 years	2.618%	2.65%	2 years
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 4 years	2.618%	2.65%	4 years
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 5 years	2.618%	2.65%	5 years
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 6 month	2.618%	2.65%	6 month
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
3 Year Regular & Jumbo Certificates (Business) - Regular	2.57%	2.60%	3 years
Min Balance $500 Details Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 3 years	2.57%	2.60%	3 years
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
4 Year Regular & Jumbo Certificates (Business) - Regular	2.521%	2.55%	4 years
Min Balance $500 Details Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 4 years	2.521%	2.55%	4 years
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 3 month	2.472%	2.50%	3 month
Min Balance $100,000 Details Balance: $100,000 and above; Jumbo Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular & Jumbo Certificates (Business) - 3 month	2.374%	2.40%	3 month
Min Balance $500 Details Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY Last Updated 10/28/2026 Rate History No change since Oct 23, 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	-	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $499.99; Featured tiered rate as high as 5.00% APY; Deposit or withdraw as needed; No monthly service fee; Dividends accrued daily and paid monthly Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 5.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings Account	4.889%	5.00%
Min Balance $0 Details Balance: $0 - $499.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
College Saver 3	3.154%	3.20%
Min Deposit $100 Details Balance Requirement: $100 minimum opening balance Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings Account	2.96%	3.00%
Min Balance $500 Details Balance: $500 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
High Yield Savings Account	2.716%	2.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 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 Balance $25 Details Minimum Balance: $25 Last Updated 10/28/2026 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 Balance $25 Details Minimum Balance: $25 Last Updated 10/28/2026 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 Account	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Regular Share / Savings Account	0.05%	0.05%
Min Balance $5 Details Daily Access Accounts; Dividends accrued daily, paid quarterly Last Updated 10/28/2026 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 Dividends credited quarterly Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Regular Share/Savings Account	0.25%	0.25%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Regular Share/Savings Account	0.20%	0.20%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 and over Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Regular Share/Savings Account	0.15%	0.15%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 and over Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Regular Share/Savings Account	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 minimum to earn stated APY Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 6 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 (Personal)	3.445%	3.50%
Min Deposit $10,000 Min Balance $300,000 Details Balance: $300,000 +; Dividends accrued daily and paid monthly; No check-writing capabilities allowed Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.50% APY · checked 3 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; No monthly service fee; Dividends accrued daily and paid monthly Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market (Personal)	3.203%	3.25%
Min Deposit $10,000 Min Balance $200,000 Details Balance: $200,000 - $299,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed Last Updated 10/28/2026 Rate History No change since Oct 15, 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; No monthly service fee; Dividends accrued daily and paid monthly Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market (Personal)	2.96%	3.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed Last Updated 10/28/2026 Rate History No change since Oct 15, 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; No monthly service fee; Dividends accrued daily and paid monthly Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market (Personal)	2.716%	2.75%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed Last Updated 10/28/2026 Rate History No change since Oct 15, 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.50% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.40% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 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; No monthly service fee; Dividends accrued daily and paid monthly Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Signature Money Market (Personal)	0.25%	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: $0 - $49,999.99; Dividends accrued daily and paid monthly; No check-writing capabilities allowed Last Updated 10/28/2026 Rate History No change since Oct 15, 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.20% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.15% APY · checked 6 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; IRA - Daily Access Accounts Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15% Oct 23, 20260.15%▼ from 0.20% Oct 4, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Business Money Market Rates

Product	Rate	APY
Money Market (Personal & Business)	0.499%	0.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 5 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 and over Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.50%	0.499%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 0.50% / low 0.50% Oct 23, 20260.50%▼ from 0.50% Oct 8, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.50%	0.499%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 0.50% / low 0.50% Oct 23, 20260.50%▼ from 0.50% Oct 4, 20260.50%first recorded 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 10/28/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Business Money Market	0.40%	0.399%
Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/28/2026 Rate History 1 change since Oct 8, 2026 · 0.40% → 0.40% ▼ 0.00 pts · high 0.40% / low 0.40% Oct 23, 20260.40%▼ from 0.40% Oct 8, 20260.40%first recorded 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 10/28/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 5 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 10/28/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 5 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 10/28/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Checking Rates

Product	Rate	APY
Checking ProtectPlus	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking ProtectPlus	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking ProtectPlus	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking ProtectPlus	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $4,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking ProtectPlus	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Checking ProtectPlus	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.10% APY · checked 3 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%
Details Intro rate period: 6 months; FICO >=750; CLTV >80-85%; Requires minimum initial draw of $25,000; Available for primary residences only Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	7.24%
Details FICO: >=750; CLTV: <=60 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	7.49%
Details FICO: 720-749; CLTV: <=60 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	7.625%
Details FICO: 720-749; CLTV: >60-70 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	7.74%
Details FICO: 720-749; CLTV: >70-80 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	7.875%
Details FICO: 680-719; CLTV: >60-70 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	8.00%
Details FICO: 680-719; CLTV: >70-80 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	8.25%
Details FICO: >=750; CLTV: >80-85 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	8.375%
Details FICO >=750; CLTV <=60; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	8.50%
Details FICO >=750; CLTV >60-70; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Fixed Rate - Loan	-	-	8.50%
Details FICO: 720-749; CLTV: >80-85 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	8.625%
Details FICO >=750; CLTV >70-80; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.63% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	8.75%
Details FICO 720-749; CLTV >60-70; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	8.875%
Details FICO 720-749; CLTV >70-80; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.88% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	9.00%
Details FICO 680-719; CLTV >60-70; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	9.125%
Details FICO 680-719; CLTV >70-80; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.13% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	9.375%
Details FICO >=750; CLTV >80-85; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Home Equity Adjustable - Line of Credit	-	-	9.625%
Details FICO 720-749; CLTV >80-85; Variable-rate HELOC after 6-month introductory rate; Maximum CLTV 85% Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 9.63% APR · checked 5 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; Status: Used; Rate includes .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.74% → 6.80% ▲ 0.06 pts · high 6.80% / low 6.74% Oct 8, 20266.80%▲ from 6.74% Sep 16, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
New Auto Loan	-	-	7.05%
Details As Low As; Status: New; Rate includes .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.24% → 7.05% ▲ 0.81 pts · high 7.05% / low 6.24% Oct 8, 20267.05%▲ from 6.24% Sep 16, 20266.24%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; Status: New; Annual Percentage Rate (APR); includes .25% discount with automatic payment from a Kinecta account Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Motorcycle - Used Loan	-	6.74%
Details As Low As; Status: Used; Annual Percentage Rate (APR); includes .25% discount with automatic payment from a Kinecta account Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 6.74% APR · checked 5 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; Status: New; Rate includes .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher otherwise Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.09% APR · checked 5 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; Status: Used; Rate includes .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher otherwise Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.49% APR · checked 5 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%. Cash Advance APR: 15.49% - 18.00%; Annual Fee: $0; Purchase APR Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 13.49% APR · checked 6 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%. Cash Advance APR: 15.49% - 18.00%; Annual Fee: $0; Purchase APR Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
MyPlan (Secured) Credit Card	-	18.00%
Details Secured; Cash Advance APR: 18.00%; Annual Fee: $25; Purchase APR Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 18.00% APR · checked 2 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 Loan	9.74%
Details As Low As; Rates from 9.74% - 18.00%; Lowest rate includes 0.25% discount for automatic payments from a Kinecta account; Repayment term 12 to 84 months; Maximum loan amount $50,000.00; APR is variable and subject to change Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
Personal Line of Credit	10.49%
Details As Low As; Rates from 10.49% - 18.00%; Variable APR based on The Wall Street Journal Prime Rate plus a margin; Maximum line amount $50,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 10.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%

Kinecta Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Contributory & Roth Accounts - No Payroll Deduction	0.05%	-	0.05%
Min Balance $100 Details Minimum Balance: $100 Last Updated 10/28/2026 Rate History No change since Oct 15, 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 Balance $25 Details Minimum Balance: $25 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
ProtectPlus	0.15%	-	0.15%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
ProtectPlus	0.25%	-	0.25%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00 and over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.82%
ProtectPlus	0.25%	-	0.25%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 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.
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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

2026 MBR Health & Safety Badge

Kinecta Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Kinecta Federal Credit Union

Does Kinecta Federal Credit Union offer CDs?

Yes. Kinecta Federal Credit Union current CD rates include its 30-Month Promotional CD 1 (Personal) at 5.00% APY, its 5 Year Regular CD (Personal) at 3.55% APY and its 8-Month Promotional CD 1 (Personal) at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Kinecta Federal Credit Union NCUA insured?

Yes. Kinecta Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Kinecta Federal Credit Union?

The highest Kinecta Federal Credit Union CD rate is its 30-Month Promotional CD 1 (Personal) at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Kinecta Federal Credit Union offer?

Kinecta Federal Credit Union CD rates are 3.50% APY for an 8 month CD, 2.75% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.20% APY for a 2 year CD, 5.00% APY for a 30 month CD, 3.25% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Kinecta Federal Credit Union for its full lineup.

What is the highest savings rate at Kinecta Federal Credit Union?

The highest Kinecta Federal Credit Union savings rate is its High Yield Savings at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Kinecta Federal Credit Union?

The highest Kinecta Federal Credit Union money market rate is its Signature Money Market (Personal) at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Kinecta Federal Credit Union?

The highest Kinecta Federal Credit Union checking rate is its Checking ProtectPlus at 0.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Kinecta Federal Credit Union?

The lowest Kinecta Federal Credit Union auto loan rate is its Used Auto Loan at 6.80% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Kinecta Federal Credit Union?

The lowest Kinecta Federal Credit Union personal loan rate is its Personal Loan at 9.74% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Kinecta Federal Credit Union?

The lowest Kinecta Federal Credit Union credit card APR is its MyPerks (Rewards) Credit Card at 13.49% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Kinecta Federal Credit Union rates compare?

Kinecta Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. Kinecta Federal Credit Union's top rates are its 30-Month Promotional CD 1 (Personal) at 5.00% APY, its High Yield Savings at 5.00% APY, its Signature Money Market (Personal) at 3.50% APY, its Checking ProtectPlus at 0.25% APY, its Personal Loan at 9.74% APR and its MyPerks (Rewards) Credit Card at 13.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Kinecta Federal Credit Union Rates

12-Month CD2.75%
18-Month CD3.20%
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 November 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

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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

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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

Does Kinecta Federal Credit Union offer CDs?

Are CDs from Kinecta Federal Credit Union NCUA insured?

What is the highest CD rate at Kinecta Federal Credit Union?

What CD terms does Kinecta Federal Credit Union offer?

What is the highest savings rate at Kinecta Federal Credit Union?

What is the highest money market rate at Kinecta Federal Credit Union?

What is the highest checking rate at Kinecta Federal Credit Union?

What is the lowest auto loan rate at Kinecta Federal Credit Union?

What is the lowest personal loan rate at Kinecta Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Kinecta Federal Credit Union rates compare?

Current Kinecta Federal Credit Union Rates

Compare to Other Credit Unions