Kinecta

Headquarters

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

Phone 1-800-854-9846

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.55% 0.67% →
2-Year CD 0.75% 0.75% →
5-Year CD 1.05% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Kinecta is an NCUA insured institution located in Manhattan Beach, CA. It was founded in 1940 and has approximately $5261.18 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 $5,261.18 million
Loans $3,687.53 million
Deposits $4,789.09 million
Capital $414.69 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 - May 10, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
Special: 12 Mo CD
0.35% $1,000 - Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 10, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875% 0.88 $2,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 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:
Fairfield,Connecticut


Kinecta Locations


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
2.85% 5.40

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, 2020, Kinecta had $12,635,263 in non-current loans and $274,284 in owned assets. To cover these potential losses it had $414,687,822 in net worth and $38,900,000 in loans loss reserves. That gives it a Texas Ratio of 2.85%.

Net Worth
Kinecta U.S. Average
7.88% 12.67%

Kinecta FCU has a net worth of 7.88% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Kinecta

Branches and Savings

What is Kinecta?

A federal credit union, registered with the NCUA under certificate #4142.
Learn more about credit unions here.

Is Kinecta FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Kinecta is insured by the NCUA.

Who can join Kinecta?

Please see Field of Membership information above for information on who is eligible to join.

What are Kinecta's share account and share certificate rates?

Kinecta's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Kinecta?

Kinecta has total capital of $414.69 million. Full information on Kinecta's financial position is located above.

Who owns Kinecta?

Credit Unions are owned by their members.

Where are Kinecta branches located?

See branch locations nearby.

Are Kinecta ATMs Open 24/7?

Do Kinecta ATMs accept cash deposits?

Can Kinecta customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Kinecta have a mobile app?

Does Kinecta have mobile deposit?

Does Kinecta have quick pay?

How can Kinecta transfer money to other banks or credit unions?

Does Kinecta report to credit bureaus?

Does Kinecta use Chexsystems?

Does Kinecta use Equifax?

What is Kinecta's toll free phone number?

What is Kinecta's ACH Routing Number?

What is Kinecta's SWIFT code?

Where can I find Kinecta's wire transfer form?

What is the Kinecta address for deposits?

What Products Does Kinecta Offer

Does Kinecta offer mortgages?

Compare mortgage rates here.

Does Kinecta offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Kinecta offer auto and RV loans?

Compare auto loan rates here.

Does Kinecta offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Kinecta


  • 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!

  • March 02, 2021 |

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

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