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The Value of Membership

Helping People Afford Life

Why should I join kinetic?

When you become a member of Kinetic Credit Union, you're able to take advantage of no or low-cost services tailored to fit your needs, low-rate loans, financial planning and investment services, outstanding home buying opportunities, home banking, mobile banking, and much, much more.

Plus, as a member, "you are not just a customer." You are part owner in the Credit Union. As a not-for-profit financial cooperative, Kinetic does not have shareholders like for-profit financial providers. We uphold the credit union principle of “One Member, One Vote.” So regardless of your financial standing, you have an equal influence in the voting process.

As a member of Kinetic Credit Union, you also receive maximum security for your funds through the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA insures your combined accounts up to $250,000.

Kinetic also has scholorships available only to members!
Kinetic Credit Union presents two scholarships to deserving high school seniors each Spring. Two $2,500 scholarships will be awarded to the students who best demonstrate commitment to excellence and services in his or her academic studies, service and involvement in the community.

For more information about our scholarships, please email

New Member Benefits

         All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other restrictions may apply.


Am I eligible?

There are two ways to qualify for membership in Kinetic Credit Union. The first is eligibility through Kinetic's community charter. Kinetic Credit Union serves anyone who lives, works, worships, volunteers, or attends school in Muscogee, Chattahoochee, Harris, or Marion counties in Georgia and Lee, Russell, and Macon counties in Alabama. To see if you are eligible to join through our community charter click here .

The second is eligibility through an immediate family member. To be eligible to join Kinetic Credit Union through an immediate family member, the family member must be a current member of Kinetic Credit Union at the time you apply. Once you become a member of Kinetic Credit Union, your immediate family is also eligible to join. Regardless of where they live or work, your family can take advantage of all the convenient and economical services at your credit union.

How to Join

Joining is easy! You may drop by any of Kinetic’s seven convenient locations. A Kinetic Financial Service Representative will take care of your financial needs. If you are eligible and ready to join, click here to complete an online membership application. Once received, a Kinetic Representative will contact you with information on how to complete your enrollment.


Worried that switching will be a hassle?

Our SwitchAgent service makes moving to Kinetic a breeze.

Getting started is simple and it is free! Visit any full-service Kinetic branch and tell them you want to switch. A Kinetic representative will gather preliminary information and set you up with your SwitchAgent. The SwitchAgent will call you at your convenience to get your information. SwitchAgent will facilitate the entire process of moving your accounts to Kinetic, including closing out your account so that you do not have to visit your former bank. SwitchAgent sends notifications to payees and creditors to move all of your preauthorized transactions to Kinetic. You will also receive a schedule and updates on the switch process.