Kinecta Referral Program Terms

As of September 9, 2026

Offer is subject to change without notice and may end at any time. Offer cannot be combined with any other promotional offers. Bonuses and referral rewards earned through this program are subject to IRS reporting.

Must be 18 years of age or older to qualify. Business accounts and accounts that are for the benefit of someone else will not qualify for bonuses or referral rewards (i.e. Conservatorship, CUTMA, UTMA, UGMA, COOGAN, Guardianship, Irrevocable Trust, Representative Payee, and Estate accounts).

Terms for Current Kinecta member (Referrer) Referral Reward: Refer others to open a new membership and meet account requirements to earn $100 for each successful referral. Maximum eligible cash referral reward is $500 in total per calendar year.

To obtain the $100 referral reward, the new member (Referee) must:

1. Open a new membership with a minimum of $5 in their regular share account and enroll in eStatements; and
2. Open either:

• A High Yield Savings Account on the same day the membership is opened and maintain an average monthly balance of $250 or more for 60 days, or
• A ProtectPlus checking account on the same day the membership is opened, with a 2-month service fee waiver, and receive qualifying direct deposit¹ of $500 or more within 60 days of the membership open date.

All qualifications must be completed within 60 days of account opening. Cash referral reward(s) will be credited to Referrer’s Regular Share Savings account within sixty (60) days after verifying new membership and account requirements have been met by each Referee. Referrer must be a current Kinecta member and in good standing, which includes deposit balances above zero dollars, all existing loan payments current, and meeting terms and conditions described in Kinecta’s Agreements & Disclosures booklet, at the time each Referee’s new membership and qualifying products are opened and funded and when the referral reward is paid, which is 60 days after new membership and qualifying products are opened and funded. Existing members and new share accounts opened by existing members do not qualify under the terms of this Referral Program. Referee must not have had a membership closed in the past 12 months.

PRIVACY NOTICE EXISTING MEMBER: Referrer consents to Kinecta Federal Credit Union disclosing to the Referee that Referrer is a Kinecta Federal Credit Union member for the purpose of confirming referral eligibility.

Terms for New Member (Referee) Bonus: Earn up to $150 by completing up to three (3) qualifying bonus opportunities, each worth $50, under this program. The Referee may receive only one referral bonus, regardless of the number of memberships or same accounts opened.

To earn the initial $50 bonus, the Referee must:

1. Open a new membership with a minimum of $5 in their regular share account and enroll in eStatements; and
2. Open either:

• A High Yield Savings Account on the same day the membership is opened and maintain an average monthly balance of $250 or more for 60 days; or
• A ProtectPlus Checking account with a two-month service fee waiver on the same day the membership is opened and receive qualifying direct deposit¹ totaling $500 or more within 60 days of the membership open date.

To earn an additional $50 bonus, the Referee must:

3. Open the other qualifying deposit product that was not opened to earn the initial $50 bonus, and satisfy the applicable program requirements.

To earn the final $50 bonus, the Referee must:

4. Open a new eligible lending product within 60 days of membership open date. An eligible lending product includes credit card, signature personal loan (personal line of credit are excluded), vehicle, mortgage, and home equity line of credit. For credit cards, complete three transactions within 60 days of membership open date (payments are excluded).

Bonus(es) will be credited to the Referee’s Regular Share Savings account within sixty (60) days after verification that all qualifying membership and account requirements have been met. An eligible Referee must not be a current Kinecta member or have had a membership closed within the past 12 months.