Kinecta Federal Credit Union offers services such as checking and savings accounts, home loans, auto loans, personal loans and credit cards, as of 2015. The credit union also works with businesses to provide them with checking and savings accounts and various loan packages.
For individuals, Kinecta also offers money market accounts and IRAs. It offers free checking as long as a customer meets certain requirements. All checking accounts at the credit union come with free online and mobile banking, free bill pay, a debit card with rewards, and more. Savings accounts require a minimum deposit of $5, as of June 2015, and a customer can deposit or withdraw money anytime.
Kinecta home loan programs include loans for new homes and for refinancing loans. Loans cover condos as well, and come in large packages, if necessary. A customer can choose between fixed rates and adjustable rates, and Kinecta does not apply prepayment penalties.
The auto loans department also allows for financing of recreational vehicles, motorcycles, boats and travel trailers. It provides auto refinancing and ways to save money in the short term by extending the life of an auto loan.
Kinecta also offers private student loans, multiple credit card options and overdraft protection, along with wealth management services, insurance services, gift cards and prepaid cards.