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What's New at Your Credit Union

*New members can receive up to $400 when they join Kinetic. Click the Get Started Button for more information.

For our current members we are giving $50 for every member you refer to Kinetic! Click the Learn More button for more information.

Apple Pay

Soon you will be able to use your Kinetic credit and debit cards with Apple Pay, the easy, secure, and private way to pay.

Use Apple Pay with iPhone 6 to pay in stores without swiping your cards and within apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID.

With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

In addition, paying with Apple Pay is private as the cashier never sees your name, card numbers or security code.

We’ll share more information about how to get started using Apple Pay with Kinetic cards closer to availability.

The Kinetic VISA Diamond Credit Card combines a super-low rate with outstanding rewards. And with no annual fee, it's the smart choice for a credit card.

You'll earn bonus points  for every purchase made with your Kinetic VISA Diamond card. Those points can be redeemed for brand-name merchandise and awesome travel rewards, including airline tickets.

Apply now!

*Annual Percentage Rate is accurate as of April 1, 2015. This APR will vary with the market based on the Prime Rate. Your rate is determined by a review of your credit report and other pre-determined credit criteria.

Mortgage Loans from Kinetic offer great rates, no origination fees and a variety of loan programs to choose from!
  • Conventional 30-year fixed rate
  • Adjustable Rate Mortgages
  • FHA
  • VA
  • Construction Loans
  • Refinance
  • Home Equity
Applying is easy! Click here or call us at (706) 320-8585.
Georgia Residential Mortgage Licensee

Home Equity Line of Credit
  • No application fee
  • Competitive rates
  • 24/7 access through home banking
  • Possible tax deductions (check with your tax advisor)
  • No closing costs
  • We pay for your appraisal
Fixed Rate Loans also available! Applying is easy, click here  to apply online or call us at (706) 320-8585.

Georgia Residential Mortgage Licensee

Buying a car can be painful.
So we partnered with TrueCar to address the primary stress point – the negotiation and haggling of price. We believe that car buying should be transparent and anxiety free.

So how is it done? It's simple.
The Kinetic Car Buying Service shows you what others paid for the car you are considering. (That gives you confidence Certified Dealer prices are honest and fair.) Then Dealers offer you Guaranteed Savings off MSRP for new vehicles in-stock and on the lot.

Click here to apply today! Click here to visit member showroom.

Kinetic in the Community

Reader's Choice Award

Kinetic was honored to be chosen as the Reader’s Choice for credit unions in our community. President/CEO Janet Davis displays the certificate we received from the Ledger-Enquirer. Thank you to all of our wonderful members who voted for Kinetic. We appreciate you!