Kinecta Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Kinecta Federal Credit Union's highest tracked CD (share certificate) rate is 3.70% APY on a 60-month CD ($100,000 minimum). That is 2.6 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 2.65% to 3.70% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.55% on 60 months
Kinecta Federal Credit Union CD & share certificate rates
Membership required. Regular and jumbo personal certificates only, from 3 months to 5 years. Jumbo certificates require $100,000; the source does not state a regular-certificate opening minimum in this section. Promotional, liquid, youth, business and IRA certificates are outside this collection scope. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Jumbo Certificate | $100,000 | 2.75% | −1.54% | Verified October 22, 2026 |
| 3 months | Regular Certificate | Not stated | 2.65% | −1.65% | Verified October 22, 2026 |
| 6 months | Jumbo Certificate | $100,000 | 3.00% | −1.40% | Verified October 22, 2026 |
| 6 months | Regular Certificate | Not stated | 2.85% | −1.55% | Verified October 22, 2026 |
| 12 months | Jumbo Certificate | $100,000 | 3.25% | −1.32% | Verified October 22, 2026 |
| 12 months | Regular Certificate | Not stated | 3.10% | −1.47% | Verified October 22, 2026 |
| 24 months | Jumbo Certificate | $100,000 | 3.35% | −1.52% | Verified October 22, 2026 |
| 24 months | Regular Certificate | Not stated | 3.20% | −1.67% | Verified October 22, 2026 |
| 36 months | Jumbo Certificate | $100,000 | 3.35% | −1.60% | Verified October 22, 2026 |
| 36 months | Regular Certificate | Not stated | 3.20% | −1.75% | Verified October 22, 2026 |
| 48 months | Jumbo Certificate | $100,000 | 3.40% | −1.58% | Verified October 22, 2026 |
| 48 months | Regular Certificate | Not stated | 3.25% | −1.73% | Verified October 22, 2026 |
| 60 months | Jumbo Certificate | $100,000 | 3.70% | −1.31% | Verified October 22, 2026 |
| 60 months | Regular Certificate | Not stated | 3.55% | −1.46% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Kinecta Federal Credit Union's best CD rates by term?
Kinecta Federal Credit Union's best rate is 3.70% APY on 60 months, verified October 22, 2026.
- 3 mo2.75%
- 6 mo3.00%
- 12 mo3.25%
- 24 mo3.35%
- 36 mo3.35%
- 48 mo3.40%
- 60 mo3.70%
How much interest could a Kinecta Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 48 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
How Kinecta Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 105 of 309 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Kinecta Federal Credit Union (this institution)Jumbo Certificate · Standard | 60 months | $100,000 | Membership required · branches in CA, NY | 3.70% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| Quorum Federal Credit Union60-Month Term Account · Standard | 60 months | $100 | Membership required · branches in NY | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Kinecta Federal Credit Union on October 22, 2026.
About Kinecta Federal Credit Union
- Legal name
- Kinecta Federal Credit Union
- Regulator ID
- NCUA 4142
- Headquarters
- Manhattan Beach, CA
- Available in
- CA, NY
- Total assets
- $6.8 billion
- Also known as
- Website
- www.kinecta.org
Source: rates read from https://www.kinecta.org/rates?client_id=null. See the page text we read.
Frequently asked questions
What is the highest CD rate at Kinecta Federal Credit Union?
Among the rates we track, 3.70% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Kinecta Federal Credit Union CD?
The lowest minimum we found is $100,000.
How does Kinecta Federal Credit Union's best CD rate compare with Treasury yields?
3.70% APY is −1.31% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.70% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Kinecta Federal Credit Union CDs insured?
Kinecta Federal Credit Union is a federally insured credit union (NCUA 4142). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Kinecta Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Kinecta Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Kinecta Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Kinecta Federal Credit Union before opening an account. This page is not financial advice.