Kinecta CD rates play a crucial role in providing financial support to the community by offering competitive and diversified options for individuals seeking secure investment opportunities. With varying terms, ranging from short to long, Kinecta’s CD rates enable community members to align their investments with specific financial goals

Kinecta CD Rates Offers

The most popular regular cd Offers by Kinecta are;

3-Month CD

  • Interest Rate: 3.11% / 3.15%


  • Limited access to funds for the duration of the term.
  • Ideal for short-term savings goals or funds not needed immediately.

Pros & Cons

Ideal for short goalsFunds not accessible in emergencies

6-Month CD

  • Interest Rate (APY): 3.20% / 3.25%


  • Similar to a 3-month CD but provides a bit more flexibility.

Pros & Cons

Competitive short-term ratesLimited access to funds for 6 months
Slightly longer flexibilityNot ideal for emergency liquidity

12-Month CD

  • Interest Rate: 3.30% / 3.35%


  • Moderate liquidity restriction for a more extended period.

Pros & Cons

Higher interest for one yearModerate liquidity restriction
Funds tied up for a more extended time

4-Year CD

  • Interest Rate: 2.23% / 2.25%


  • Ideal for individuals with a long-term investment strategy and less need for immediate access to funds.

Pros & Cons

Long-term commitmentLower interest compared to shorter terms
Higher interest for extended periodLimited access to funds for 4 years
Suitable for long-term strategiesNot ideal for short-term needs

Are Kinecta CD Rates Competitive?

Kinecta CD rates are competitive within the financial landscape, offering attractive returns on investments across various terms.

The rates provided for the specified CD terms—ranging from 2.23% to 3.35%—reflect a commitment to providing customers with favorable interest earnings compared to standard savings accounts.

When comparing Kinecta CD rates to industry standards, they demonstrate a competitive edge, especially in the context of the specific terms outlined. For instance, the 3-month, 6-month, and 12-month rates of 2.86%, 2.96%, and 3.06%, respectively, are notably competitive, offering a balance between short-term flexibility and attractive returns.

While the 4-year rate at 2.23% is comparatively lower, it still presents a competitive option for those with a longer investment horizon. To summarize the debate, the Kinecta CD rates stand out as a compelling choice for individuals seeking a reliable and competitive avenue for their savings and investment needs.

Overview Kinecta 

Kinecta Federal Credit Union is a member owned, not for profit financial institution which serves their surrounding community with affordable and high-quality financial products. Ever since they first opened their goal has been to be the most trusted financial partner within their service area. It is now one of the largest and most influential credit unions in America with 270,000 members and $6.7 billion in assets.

They give back to their community through direct financial donations and hosting local events. Building their community through accessible and affordable financial products is their goal, as their bankers live and work within the community that they serve. With a focus on families and small businesses, they have affordable lending options that help to grow communities. In 2019 they donated to over 250 nonprofits locally and raised almost a million dollars in funds for local organizations.


Kinecta Federal Credit Union serves communities across California. To be eligible for the CD rates at Kinecta you must be a member of the credit union. You will need to live, work, worship, or go to school within their service area in California. Call, go online, or visit a branch in person to open a new checking or savings account to become a member.

Locations Kinecta 

29 Branches in California

The branches in California are:

Brea, El Segundo, Fountain Valley, Gardena, Goleta, Hawthorne, Hermosa Beach, Lakewood, Los Angeles, Malibu, Manhattan Beach, Newport Beach, Redondo Beach, Rolling Hills Estates, Santa Monica, Torrance, Tustin, Westchester, Westlake Village, Westminster

Frequently Asked Questions

How are CD interest rates determined?

CD rates are influenced by various factors, including market conditions, the Federal Reserve’s interest policies, and the financial institution’s assessment of risk and market competition.

Are Kinecta CD rates fixed or variable?

CD rates at Kinecta are typically fixed, assuring that the interest rate remains constant throughout the CD term, protecting your returns from market fluctuations.

What happens when my CD matures?

Upon maturity, you have options such as renewing the CD, withdrawing the funds, or transferring them to another account. Kinecta provides flexibility to accommodate your financial goals.

Can I add more funds to an existing CD?

Generally, CDs have a fixed initial deposit, but Kinecta may offer options to open additional CDs or explore other investment products for additional funds.

How often is interest credited for Kinecta CDs?

Interest crediting frequency varies, but it is typically done monthly or at the end of the CD term.