Unless you opt out by selecting “No” in the drop down window, you agree that Kinecta, and/or any third party acting on its behalf, may make calls and/or send text messages to you at any telephone numbers provided above, including any mobile/cellular telephone numbers and/or numbers later converted to mobile/cellular telephone numbers and that may or may not result in data usage and/or charges to you. This is so Kinecta can service and keep you informed about your membership, accounts, loans and transactions you have or may enter into with Kinecta, and/or to provide you with fraud, security breach, or identity theft alerts. Such calls or text messages may be made to you through the use of prerecorded/artificial voice messages and automatic telephone dialing systems. You understand that you are not required to provide consent as a condition to receiving Kinecta’s products or services. You may change the telephone number(s) provided at any time by contacting Kinecta at 800-854-9846
By selecting “Yes” in this drop down window, you further authorize Kinecta to contact you, as set forth above, to offer products and services that might be of interest to you, by making calls and/or sending text messages to you at any telephone number(s) you have provided above, through, but not limited to, the use of prerecorded/artificial voice messages and automatic telephone dialing systems. You understand that you are not required to provide this additional consent as a condition to receiving Kinects’s products or services. You may change the telephone number(s) provided at any time by contacting Kinecta at 800-854-9846.
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Review and Submit
Branch Selection
Credit Card Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Additional Applicant Information
Additional Applicant Reference Information
Additional Applicant Contact Information
Additional Applicant Address
Additional Applicant Identification
Additional Applicant Secondary Identification
Additional Applicant Financial Information
Additional Applicant Previous Employment Information
Additional Information
Additional Applicant Additional Information
Eligibility
Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for a Kinecta membership.
I am an Employee or Retiree of:
I
in .
Please enter your zip code:
Please enter the name of your schooland select the zipcode of the school
Associational Group:
I am an immediate family or household member of a Kinecta member.
Member Name: Relationship: .
I will be joining Kinecta Federal Credit Union as a member of Innovision Society. I understand there is a $10 membership fee to join Innovision Society.
Select at least one of the following products required for membership
Primary Savings
Required for all new membership accounts. Primary Savings has no monthly service fee in any month with: 1) $250 average monthly balance, or 2) multiple accounts under the same member number, or 3) same primary owner age 18 or under, or 4) first three months of a new account.
Checking Plus has no monthly service fee in any month with: 1) $2,500 average monthly balance, or 2) direct deposits totaling $500 or more, or 3) during the first three months of a new account.
Max APY: 0.25%Min Deposit: $0.00
APY (Annual Percentage Yield)
Your Selected Products
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
0.15%
0.15%
$0.00
$0.00
N/A
0.20%
0.20%
$2,500.00
$0.00
N/A
0.25%
0.25%
$10,000.00
$0.00
N/A
0.40%
0.40%
$50,000.00
$0.00
N/A
0.50%
0.50%
$100,000.00
$0.00
N/A
0.50%
0.50%
$250,000.00
$0.00
N/A
Dividend Rate
0.15%
APY:
0.15%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.20%
APY:
0.20%
Minimum Balance:
$2,500.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.25%
APY:
0.25%
Minimum Balance:
$10,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.40%
APY:
0.40%
Minimum Balance:
$50,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.50%
APY:
0.50%
Minimum Balance:
$100,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.50%
APY:
0.50%
Minimum Balance:
$250,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
0.10%
0.10%
$0.00
$0.00
N/A
0.10%
0.10%
$5,000.00
$0.00
N/A
0.10%
0.10%
$10,000.00
$0.00
N/A
0.15%
0.15%
$25,000.00
$0.00
N/A
0.25%
0.25%
$50,000.00
$0.00
N/A
0.25%
0.25%
$100,000.00
$0.00
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$5,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$10,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.15%
APY:
0.15%
Minimum Balance:
$25,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.25%
APY:
0.25%
Minimum Balance:
$50,000.00
Min Deposit:
$0.00
Term (months):
N/A
Dividend Rate
0.25%
APY:
0.25%
Minimum Balance:
$100,000.00
Min Deposit:
$0.00
Term (months):
N/A
Select Accept may pay your debit card transactions if you don’t have enough funds to cover the transaction. It is an added option to other overdraft protection services, such as preauthorized share savings transfers or an Overdraft Line of Credit. Select Accept covers everyday debit card transactions. There is a fee of $30 each time we pay an overdraft with a limit of 3 fees per day, per account. We will not charge you the $30 fee if you overdraw your account within $5. You must promptly pay the amount of any overdraft along with any fees that apply within 30 days. Otherwise, your account may become restricted. We typically do not pay overdrafts if your account is not in good standing or your account is excessively overdrawn. Recurring debit card transactions (such as a gym membership) may continue to be authorized at our discretion even if you do not sign up for Select Accept. We reserve the right to refuse to pay an overdraft at our discretion.*
Yes
No
Select Accept may pay your debit card transactions if you don’t have enough funds to cover the transaction. It is an added option to other overdraft protection services, such as preauthorized share savings transfers or an Overdraft Line of Credit. Select Accept covers everyday debit card transactions. There is a fee of $30 each time we pay an overdraft with a limit of 3 fees per day, per account. We will not charge you the $30 fee if you overdraw your account within $5. You must promptly pay the amount of any overdraft along with any fees that apply within 30 days. Otherwise, your account may become restricted. We typically do not pay overdrafts if your account is not in good standing or your account is excessively overdrawn. Recurring debit card transactions (such as a gym membership) may continue to be authorized at our discretion even if you do not sign up for Select Accept. We reserve the right to refuse to pay an overdraft at our discretion.*
Yes
No
Please answer question(s) below
Name of Financial Institution
Amount to transfer?
What is the Account Number?
Street Address of the Financial Institution
City, State, and Zip?
Name of Financial Institution
Amount to transfer?
What is the Account Number?
Street Address of the Financial Institution
City, State, and Zip?
How Did You Hear About Us?*
Please provide the existing member's first and last name.*
Please select from one of the advertising options below.*
Please select from one of the social media options below.*
Marketing Code*
Are you already a member of Kinecta Federal Credit Union?*
Select your preferred credit card type*
Marketing Promo Code Tracking
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?
Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?
MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?
Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit
By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
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