LIMITED-TIME OFFER
Two great terms. One smart decision.
3.75% APY* | 9-mo. jumbo cert.1
3.65% APY* | 9-mo. cert.1
3.60% APY* | 13-mo. cert.1
Offer ends March 16, 2026.
Don't miss out on these limited-time certificate offers.
Take advantage of our exclusive offer and enjoy the certainty that comes with fixed returns.
3.75% APY*
9-Mo. Jumbo Promo. Certificate1
$100,000 min. to open
3.65% APY*
9-Mo. Regular Promo. Certificate1
$100 min. to open
3.60% APY*
13-Mo. Regular Promo. Certificate1
$100 min. to open
Secure a safe bet for better earnings.
- Choose the term that's right for you, either 9 or 13 months
- Guaranteed savings with a fixed rate and term, so you know exactly how much you'll earn
- Open in minutes in Online and Mobile Banking
- Your deposit is safe and secure with federal insurance by the NCUA
New to Kinecta?
Become a member and open your Promotional Certificate online today.
Frequently Asked Certificate Questions
A certificate is a savings tool that often pays higher rates when compared to a typical savings account. A certificate earns dividends at a fixed rate over a set period of time.
People who are looking to earn a greater return on their money.
The NCUA, or National Credit Union Administration, is an independent federal agency that insures deposits made to any federally insured credit union, such as Kinecta, up to $250,000 per share owner.
Yes, you are guaranteed the stated APY as long as the funds remain in the certificate for its entire term.
Membership requirements apply. For complete account terms and conditions refer to the Agreements and Disclosures booklet.
*Annual percentage yield (APY) is accurate as of 2/18/26 and may change without notice until the account is opened.
19 and 13-month promotional certificates: Offer available 2/18/2026 to 3/16/2026. The minimum balance to open jumbo share certificate and obtain APY is $100,000. The minimum balance to open regular share certificate and obtain APY is $100. A certificate is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.
2High Yield Savings: Dividends accrued daily and paid monthly. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and certificates as of 4/15/2025. Actual earnings dependent upon account balance and rate tier.
3Signature Money Market: The minimum balance required to open account is $10,000. Dividend rate subject to change without notice after account opening. The minimum balance requirements applicable to each tier, corresponding dividend rates and minimum balances to earn the disclosed annual percentage yields appear on the Dividend Rate Sheet. Dividends accrued daily and paid monthly. No check-writing capabilities allowed. Fees may reduce earnings on the account.