Kinecta Federal Credit Union is a member-owned financial cooperative dedicated to providing comprehensive financial services to individuals and businesses. Originating in California and now serving members in various states, including New York, Kinecta offers a wide range of financial solutions rooted in personalized service and community engagement. As a not-for-profit institution, its earnings are reinvested into member benefits such as lower loan rates, higher savings yields, and reduced fees.

Kinecta’s services cater to everyday banking needs as well as long-term financial planning, including checking and savings accounts, mortgages, auto loans, and credit cards. They also provide wealth management solutions, investment services, and retirement planning, with dedicated advisors available for tailored guidance. The credit union places strong emphasis on financial wellness education through workshops and digital tools.

What sets Kinecta apart is its commitment to social responsibility—frequently engaging in community outreach initiatives, scholarships, and volunteer programs that support education, housing, and local charities. Its affiliation with the CO-OP network gives members access to over 30,000 surcharge-free ATMs and shared branches nationwide.

Website: https://www.kinecta.org/

Key Services:

– Personal and business checking & savings accounts
– Auto, personal, and home loans
– Credit cards with rewards and low rates
– Mortgage solutions and refinancing
– Financial planning and investment services
– Retirement planning (IRA, 401(k) rollovers)
– Mobile and online banking tools
– Free financial education resources and seminars
– Access to CO-OP network of ATMs and shared branches
– Community programs and scholarships