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iAdvertiser Disclosure
Advertiser Disclosure
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 Kinecta Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Kinecta Federal Credit Union's 12-Mo. Jumbo Promo. CD rates are at 3.70%, 12-Month Jumbo Promotional CD rates are at 3.70%, 12-Mo. Jumbo Promo. CD rates are at 3.60%, 12-Month Promotional CD rates are at 3.60%, 18-Mo. Jumbo Promo. CD rates are at 3.50%. Kinecta Federal Credit Union's savings rates are at 0.05%. Kinecta Federal Credit Union's money market rates are at 0.05%. Kinecta Federal Credit Union's Personal Loan Rates are at 5.54%. 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 4.14%. Rates were last updated on 04/11/2026. 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. Kinecta Federal Credit Union
Kinecta Federal Credit Union 1440 Rosecrans Ave
https://www.kinecta.org Manhattan Beach, CA 90266 
Kinecta Federal Credit Union CD Rates
Kinecta Federal Credit Union Savings Rates
Kinecta Federal Credit Union Money Market Rates
Kinecta Federal Credit Union Home Equity & HELOC
Kinecta Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kinecta Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Kinecta Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Kinecta Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kinecta Federal Credit Union
Website
https://www.kinecta.org
Address
1440 Rosecrans Ave,
Manhattan Beach, CA 90266
Phone
310-643-2045
Fax
310-727-8220
President
Suzanne Curtin
CEO
Keith Sultemeier
Full-Time Employees
663
Part-Time Employees
17
Branch Locations
24
ATM Locations
30
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.14%
Return on Assets (ROA)
0.2665%
Return on Equity (ROE)
3.0082%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
6,518,274,224
Total Amount of Shares and Deposits
5,626,974,578
Total Shares and Deposits < 1 Year
5,218,417,034
Total Shares and Deposits 1 3 Years
391,138,379
Total Shares and Deposits > 3 Years
17,419,164
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
504,611,346
Total Uninsured Shares and Deposits > $250K (F+J)
504,611,346
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,122,363,232
Total Interest Expense (Sum of items 6 8)
95,471,591
Share Certificates
55,642
Number of Accounts for Share Drafts
121,433
IRA KEOGH Accounts
10,898
Number of Accounts for Regular Shares
261,845
Money Market Shares
7,302
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
209,629,912
Total Liabilities
5,957,486,738
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Kinecta Federal Credit UnionIs Kinecta Federal Credit Union a safe place to deposit money?Yes, Kinecta Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1368313860122%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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