Find the latest Kinecta Federal Credit Union CD Rates, Offers, and Promotions here.

Best CD Rates: 5.35% APY ($100k ,12-month Certificate Promotion, new money.

Availability: Nationwide

Credit Inquiry: Soft Pull

Table of Contents

About Kinecta Federal Credit Union

Started as Hughes Aircraft Employees Federal Credit Union in 1940. They offer higher rates of return on savings accounts, lower rates on loans and credit cards and our dedication to creating a life-long partnership.

Kinecta FCU has a wide array of products including CD rates for all your specific financial needs. Although this credit union has branch locations in Texas, Oklahoma, and Louisiana, you can still become a member and have access to the CD rates nationwide.

Eligibility: Membership in Kinecta Federal Credit Union is open to anyone through membership in the Innovision Society (one-time $10 membership fee paid by Kinecta). Membership is also open to those who live, work, or attend school in select Zip Codes in Anaheim, Lancaster, Rialto, Santa Ana or the Greater Los Angeles Area, or employees of more than 200 select employer groups.
See current membership details

Regular CD Rates:

Term	APY Rate	Minimum Deposit
3-Month	1.30%	<$100,000
6-Month	1.60%	<$100,000
12-Month	2.50%	<$100,000
15-Month	5.00%	<$100,000
24-Month	2.40%	<$100,000
36-Month	2.60%	<$100,000
48-Month	2.60%	<$100,000
60-Month	3.00%	<$100,000

Jumbo CD Rates:

Term	APY Rate	Minimum Deposit
3-Month	1.35%	$100,000+
6-Month	1.65%	$100,000+
12-Month	2.55%	$100,000+
15-Month	5.05%	$100,000+
24-Month	2.45%	$100,000+
36-Month	2.65%	$100,000+
48-Month	2.65%	$100,000+
60-Month	3.05%	$100,000+

*The above rates are accurate as of 1/30/2023*

Kinecta Federal Credit Union CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer the term, the higher APY rate you make.

They currently offer standard CD rates from 3-months to 60-months. If you’re interested in making a higher rate than a traditional savings account then make sure to check out Kinecta FCU CDs and their rates listed below.

Minimum deposit: Regular: $100, Jumbo: $100,000
Maximum deposit: —
Early withdrawal penalty: one-hundred eighty (180) days of dividends.

CD Rates at Kinecta Federal Credit Union

(NCUA Insured)

Compare the best CD rates:
Alliant Credit Union 12-Month Certificate (4.30% APY)	Quontic Bank CD (Up to 4.25% APY)
Western Alliance Bank 3-Month CD (4.50% APY)	Western Alliance Bank 12-Month CD (4.25% APY)
Ponce Bank 3-Month CD (4.52% APY)	Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY)
Rising Bank 6-Month CD (4.35% APY)	Rising Bank 12-Month CD (4.25% APY)
Sun Canyon Bank 11-Month CD (3.98% APY)	Ponce Bank 4-Month No-Penalty CD (4.20% APY)

Kinecta FCU CD Features

Terms available from three months to five years
Fixed, steady growth for your long-term savings needs
NCUA insured

Bottom Line

There is a large selection of CD lengths to choose from, as well as your choice for Jumbo or a Regular CD account. The difference between them is the minimum opening deposit. In my opinion, the rates aren’t too competitive and there are definitely better rates out there.

An online account is ideal for Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.

*While Kinecta Federal Credit Union has these rates with their launch, their product line is limited. I recommend to take a look at Discover Bank Promotions here

That being said, you may want to compare them with our best CD Rates:

You might even find yourself earning more than a regular savings account. If you are interested, be sure to apply as soon as you can to start your new account experience. Check back often for the latest Kinecta Federal Credit Union CD rates!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.