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If the account balance is at least $4,000 and has been opened for at least four (4) years on the date rates change, the rate will be the two (2) year Regular Term Share Certificate Account rate plus ten (10) basis points (0.10%) effective the last day of the previous month.Ĭollege Saver certificates mature on the date of your eighteenth (18th) birthday and cannot be renewed. Dividend rate will be the same as paid on a two (2) year Regular Term Share Certificate (rate in effect on the last day of the previous month) if account balance is below $4,000 or account is less than four (4) years old on the date of the rate change.
The dividend rate and annual percentage yield may change monthly. Available only to members under the age of eighteen (18). At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.Ħ College Saver Share Certificates. Dividends accrued monthly and paid at maturity. Terms from 90 days to 5 years, and penalties apply for early withdrawal. $100,000 minimum opening balance required.
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For a full explanation of terms and conditions, contact a Kinecta branch or call our Member Contact Center at 800.854.9846.ĥ Jumbo Share Certificates. Subject to credit approval and rates subject to change. At maturity, promotional certificates will automatically renew into the next lower term share certificate unless directed otherwise.Ĥ Certificate Loan. 12-month term.ģ Regular Term Share Certificates. Additional deposits are permitted at any time prior to maturity. Withdrawals exceeding 50% of the start of day balance are subject to penalties. Liquid Share Certificates allow for penalty-free withdrawals of up to 50% of the start of day balance as of 12:00 AM on a daily basis. High-Yield Money Market account is not available for overdraft protection.Ģ Liquid Share Certificates. Dividends accrued daily and paid monthly. Tiered rate dividends paid starting at $2,500. $10,000 minimum opening balance required. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.ġ High-Yield Money Market. This is Kinecta’s most recent published rate. *APY = Annual Percentage Yield is variable and subject to change. Insured to at least $250,000 by the National Credit Union Administration, a U.S.
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