Deal Summary

Kinecta’s top CD rate is 1.05% for jumbo CD’s of $100,000 or more, and 1.00% APY for CD’s under $100,000, seven terms lengths available between 3-months and 5-years, $1,000 minimum deposit

Kinecta’s Top CD Rates

Kinecta has high interest rates for CD’s at a regular and jumbo level. The top interest percentage is for jumbo accounts (over $100,000) for 1.05%, and for regular CD’s the top APY is 1.00% for the longest term of 5 years.

Short term investors can receive between 0.20%-0.40% for 3-month and 6-month terms. There is a minimum deposit across all CD’s of $1,000. For CD’s over $100,000 the APY bumps up by 0.05% across all terms. The APY increases between 0.10%-0.15% for each tier of term length.

CD’s through Kinecta Federal Credit Union yield high dividend returns for all terms and minimum balances. When rates increase members are able to request a one-time rate bump to the current rate.

An option for investors who want more access to their funds is the Liquid Certificate. Regular and jumbo certificates are not able to withdraw funds before maturity without being penalized with significant early withdrawal fees. Liquid Share Certificates can withdraw with no penalties as long as the withdrawal amount is less than 50% of the balance. Over 50% penalty fees will be applied.

The Liquid Share Certificate requires a $1,000 minimum balance or with transfer from an active Kinecta checking account it can have a minimum balance as low as $100. Share certificates renew automatically at time of maturity.


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.

Branches in California

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

Bank Overview

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 250,000 members and $4.7 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.