Kinecta Federal Credit Union

Headquarters

1440 Rosecrans Ave
Manhattan Beach, CA 90266
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	5.50% →
1-Year CD	3.35%	4.65% →
2-Year CD	3.05%	4.25% →
5-Year CD	2.25%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Kinecta is an NCUA insured institution located in Manhattan Beach, CA. It was founded in 1940 and has approximately $6794.38 millions in assets.

Who can join?

Kinecta membership is open to:

Any immediate family or household member of a Kinecta member

Any Select Employer Group (SEG) employee and their immediate family and household members

Any member of the Consumers Cooperative Society of Santa Monica (CCSSM). Members of Santa Monica Co-op are subject to an Annual Membership
Fee of Ten Dollars ($10).

Joining Kinecta has never been easier. Open a Kinecta savings account with just a $5 deposit - and you're a Kinecta member for life.

Membership Application - Fill out the application and return to Kinecta along with a photocopy of your Social Security Card, and your
driver's license or a valid U.S. Government-or State-issued photo identification.

Co-op Application - Members of Santa Monica Co-op are subject to an Annual Membership Fee of Ten Dollars ($10). Fill out the application and
return to Kinecta along with a photocopy of your Social Security Card, and your driver's license or a valid U.S. Government-or State-issued
photo identification.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 4142
Date Established	1940
Assets	$6,794.38 million
Loans	$5,788.40 million
Deposits	$4,937.93 million
Capital	$550.78 million

Field of Membership Restrictions

Membership in Kinecta Federal Credit Union is open to any member of the Consumers Cooperative Society of Santa Monica (requires a $10 membership fee). Membership is also open to those who live, work, worship or attend school in select zip codes of Anaheim, Lancaster, Rialto, Santa Ana and the Greater Los Angeles Area, or employees of one of the over 200 local select employer groups.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.05%	$5	-	Learn More Reviews
Money Market	0.15%	$0	$2,499	Learn More Reviews
Money Market	0.20%	$2,500	$9,999	Learn More Reviews
Money Market	0.25%	$10,000	$14,999	Learn More Reviews
Money Market	0.40%	$50,000	$99,999	Learn More Reviews
Money Market	0.50%	$100,000	$249,999	Learn More Reviews
Money Market	0.50%	$250,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	3.00%	$100	$99,999	Learn More Reviews
6 Mo CD	3.25%	$100,000	-	Learn More Reviews
9 Month Special (New Money)	5.25%	$100	$99,999	Learn More Reviews
9 Month Special (New Money)	5.25%	$100,000	-	Learn More Reviews
12 Mo CD	3.10%	$100	$99,999	Learn More Reviews
12 Mo CD	3.35%	$100,000	-	Learn More Reviews
24 Mo CD	2.80%	$100	$99,999	Learn More Reviews
24 Mo CD	3.05%	$100,000	-	Learn More Reviews
36 Mo CD	2.50%	$100	$99,999	Learn More Reviews
36 Mo CD	2.75%	$100,000	-	Learn More Reviews
48 Mo CD	2.25%	$100	$99,999	Learn More Reviews
48 Mo CD	2.50%	$100,000	-	Learn More Reviews
60 Mo CD	2.00%	$100	$99,999	Learn More Reviews
60 Mo CD	2.25%	$100,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.10%	$0	$4,999	Learn MoreShow Less
Checking Plus	0.10%	$5,000	$9,999	Learn MoreShow Less
Checking Plus	0.10%	$10,000	$24,999	Learn MoreShow Less
INTCK	0.15%	$25,000	$49,999	Learn MoreShow Less
Checking Plus	0.25%	$50,000	$99,999	Learn MoreShow Less
Checking Plus	0.25%	$100,000	-	Learn MoreShow Less

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Kinecta

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750%	1.00	$4,432	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875%	1.00	$5,195	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Kinecta
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Kinecta branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Kinecta Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Branch 51	358.83	A	View Lobby Hours
Branch 55	360.68	B	View Lobby Hours
Branch 53	361.22	C	View Lobby Hours
Branch 61	361.81	D	View Lobby Hours
Branch 52	370.57	E	View Lobby Hours
Branch 50	371.95	F	View Lobby Hours
Branch 75	456.66	G	View Lobby Hours
Branch 74	457.79	H	View Lobby Hours
Branch 73	513.80	I	View Lobby Hours
Branch 40	882.87	J	View Lobby Hours
Rancho Cucamonga	1875.44	K	View Lobby Hours
KFCU - Brea	1895.93	L	View Lobby Hours
Tustin	1895.98	M	View Lobby Hours
NIX 481	1898.08	N	View Lobby Hours
Fountain Valley	1901.35	O	View Lobby Hours
NIX 475	1901.53	P	View Lobby Hours
Westminster	1904.83	Q	View Lobby Hours
NIX 459	1908.83	R	View Lobby Hours
Lakewood	1909.95	S	View Lobby Hours
NIX 464 Long Beach Blvd & Compton Blvd	1912.61	T	View Lobby Hours
NIX 403 Compton & Wilmington	1914.09	U	View Lobby Hours
NIX 431	1914.24	V	View Lobby Hours
NIX 410	1915.20	W	View Lobby Hours
NIX 460	1916.18	X	View Lobby Hours
NIX 445	1917.68	Y	View Lobby Hours
Gardena	1918.08	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

KINECTA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Kinecta Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kinecta. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Kinecta	U.S. Average
3.92%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Kinecta had $22,125,486 in non-current loans and $598,890 in owned assets. To cover these potential losses it had $550,777,637 in net worth and $29,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.92%.

Net Worth

Kinecta	U.S. Average
8.09%	13.93%

Kinecta FCU has a net worth of 8.09% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Kinecta

BTM1st

April 19, 2021 |

Anyone is better than dealing with these guys! It's amazing how they work.

And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriately credit anything is the worst I've seen. Reaching a person is near impossible. Trying their phone line will take you ten minutes of answering robo-call questions. I HIGHLY recommend that you find someone else that actually can help, provides a modicum of service and doesn't charge a fee for anything and everything. Horrible service and support from everyone!

Is this review helpful? Yes:1 / No: 0
Idamaria1

March 2, 2021 |

Kinecta is a horrible banking system. They charge you illegal fees. They have poor communication and should be closed down for fraud.

Is this review helpful? Yes:1 / No: 0