2020 Overview
General Credit Union Information
Kinetic is an NCUA insured institution located in Columbus, GA. It was founded in 1956 and has approximately $431.86 millions in assets.
Who can join?
TIC Federal Credit Union serves anyone who lives, works, worships, volunteers, or attends school in Muscogee, Chattahoochee, Harris, or Marion counties in Georgia and Lee, Russell, and Macon counties in Alabama.
To be eligible to join TIC Federal Credit Union through an immediate family member, the family member must be a current member of TIC Federal Credit Union at the time you apply. Immediate family is defined as:
Spouse
Children
Siblings
Parents
Grandparents
Grandchildren
Stepchildren
Step siblings
Step grandparents
Step grandchildren
Adoptive Relations (that fall within the above categories)
| NCUA Insured | Yes |
| Charter Number # | # 10866 |
| Date Established | 1956 |
| Assets | $431.86 million |
| Loans | $323.64 million |
| Deposits | $378.18 million |
| Capital | $50.61 million |
Field of Membership Restrictions
Deposit Rates - October 29, 2020
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.45% | $2,500 | $2,999 |
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|
|
Money Market
|
0.45% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 3 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 6 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
Loan Rates - October 29, 2020
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for KINETIC
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2020
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.746% | 3.625% | 1.00 | $3,750 | $1,141 | Learn More |
NMLS ID: 2890 License#: MC-3098 |
2.669% | 2.625% | 0.63 | $1,450 | $1,005 | Learn More |
|
NMLS ID: 3030 |
3.746% | 3.625% | 1.00 | $3,750 | $1,141 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2020
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loans See Table |
2.240 %
|
$0 |
Learn More
More Info |
Note to KINETIC
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Kinetic 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:
Ashburn,Virginia
Kinetic Locations
Financial Details
Kinetic Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Kinetic. 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
| Kinetic | U.S. Average |
|---|---|
| 7.63% | 6.71 |
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 March 30, 2020, Kinetic had $3,729,471 in non-current loans and $361,350 in owned assets. To cover these potential losses it had $50,611,558 in net worth and $2,977,052 in loans loss reserves. That gives it a Texas Ratio of 7.63%.
Net Worth
| Kinetic | U.S. Average |
|---|---|
| 11.71% | 13.61% |
Kinetic FCU has a net worth of 11.71% versus the BestCashCow average of 13.61. 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 Kinetic
Branches and Savings
What is Kinetic?
A federal credit union, registered with the NCUA under certificate #10866.
Learn more about credit unions here.
Is Kinetic FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join Kinetic?
Please see Field of Membership information above for information on who is eligible to join.
How big is Kinetic?
Kinetic has total capital of $50.61 million. Full information on Kinetic's financial position is located above.
Who owns Kinetic?
Credit Unions are owned by their members.
Where are Kinetic branches located?
See branch locations nearby.
Are Kinetic ATMs Open 24/7?
Do Kinetic ATMs accept cash deposits?
Can Kinetic customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Kinetic have a mobile app?
Does Kinetic have mobile deposit?
Does Kinetic have quick pay?
How can Kinetic transfer money to other banks or credit unions?
Does Kinetic report to credit bureaus?
Does Kinetic use Chexsystems?
Does Kinetic use Equifax?
What is Kinetic's toll free phone number?
What is Kinetic's ACH Routing Number?
What is Kinetic's SWIFT code?
Where can I find Kinetic's wire transfer form?
What is the Kinetic address for deposits?
What Products Does Kinetic Offer
Does Kinetic offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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