Kinecta Federal Credit Union
Headquarters
1440 Rosecrans Ave
Manhattan Beach, CA 90266
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Phone 1-800-854-9846
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 $6844.77 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 | $6,844.77 million |
| Loans | $5,844.75 million |
| Deposits | $5,564.92 million |
| Capital | $556.78 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 - April 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $5 | - |
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|
|
Money Market
|
0.15% | $0 | $2,499 |
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|
|
Money Market
|
0.20% | $2,500 | $9,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $50,000 | $99,999 |
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|
|
Money Market
|
0.50% | $100,000 | $249,999 |
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|
|
Money Market
|
0.50% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.00% | $100 | $99,999 |
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|
| 6 Mo CD
|
3.25% | $100,000 | - |
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|
| 9 Month Special (New Money)
|
5.25% | $100 | $99,999 |
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|
| 9 Month Special (New Money)
|
5.25% | $100,000 | - |
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|
| 12 Mo CD
|
3.10% | $100 | $99,999 |
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|
| 12 Mo CD
|
3.35% | $100,000 | - |
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|
| 24 Mo CD
|
2.80% | $100 | $99,999 |
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|
| 24 Mo CD
|
3.05% | $100,000 | - |
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|
| 36 Mo CD
|
2.50% | $100 | $99,999 |
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|
| 36 Mo CD
|
2.75% | $100,000 | - |
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|
| 48 Mo CD
|
2.25% | $100 | $99,999 |
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|
| 48 Mo CD
|
2.50% | $100,000 | - |
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|
| 60 Mo CD
|
2.00% | $100 | $99,999 |
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|
| 60 Mo CD
|
2.25% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $0 | $4,999 | Learn More |
| Checking Plus
|
0.10% | $5,000 | $9,999 | Learn More |
| Checking Plus
|
0.10% | $10,000 | $24,999 | Learn More |
| INTCK
|
0.15% | $25,000 | $49,999 | Learn More |
| Checking Plus
|
0.25% | $50,000 | $99,999 | Learn More |
| Checking Plus
|
0.25% | $100,000 | - | Learn More |
Loan Rates - April 17, 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: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
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
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 |
|---|---|
| 5.73% | 6.97 |
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 December 31, 2023, Kinecta had $33,169,976 in non-current loans and $377,798 in owned assets. To cover these potential losses it had $556,777,279 in net worth and $29,000,000 in loans loss reserves. That gives it a Texas Ratio of 5.73%.
Net Worth
| Kinecta | U.S. Average |
|---|---|
| 8.12% | 13.62% |
Kinecta FCU has a net worth of 8.12% versus the BestCashCow average of 13.62. 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
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