Kinetic Federal Credit Union
P.o. Box 9818
Columbus, GA 31908
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2021 Overview
General Credit Union Information
Kinetic is an NCUA insured institution located in Columbus, GA. It was founded in 1956 and has approximately $519.22 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 / Federally Chartered |
| Charter Number # | # 10866 |
| Date Established | 1956 |
| Assets | $519.22 million |
| Loans | $325.59 million |
| Deposits | $459.28 million |
| Capital | $57.01 million |
Field of Membership Restrictions
Deposit Rates - December 3, 2021
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 | |
|---|---|---|---|---|
| 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 - December 3, 2021
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 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 541760 |
3.021% | 2.950% | 0.88 | $2,292 | $1,048 | Learn More |
NMLS ID: 613839 |
2.924% | 2.875% | 0.63 | $1,568 | $1,038 | Learn More |
NMLS ID: 3030 |
3.620% | 3.500% | 1.00 | $3,750 | $1,123 | Learn More |
NMLS ID: 424182 |
2.910% | 2.875% | 0.50 | $1,130 | $1,038 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Flagstar Bank-Heloc See Table |
4.990 %
|
$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
Climate Initiatives
KINETIC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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 |
|---|---|
| 3.71% | 3.79 |
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, 2021, Kinetic had $1,919,210 in non-current loans and $304,275 in owned assets. To cover these potential losses it had $57,010,910 in net worth and $2,972,593 in loans loss reserves. That gives it a Texas Ratio of 3.71%.
Net Worth
| Kinetic | U.S. Average |
|---|---|
| 10.98% | 12.22% |
Kinetic FCU has a net worth of 10.98% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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