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What's New at Your Credit Union

What's The Catch?
There is no catch! Saving members money is what Kinetic exists to do. However, there are a few rules to keep the promotion fair:
*Loans reviewed must be non-Kinetic loans
*Minimum loan balance of $5,000
*Copy of most recent auto loan statement(s) must be provided
*Auto Loan products only, must be closed at Kinetic
*Only one $50 incentive per member during promotional period of (10/1/2015 - 10/31/2015) with no purchase or obligation necessary to receive an incentive
*Member must meet loan qualifying criteria according to credit union policy for each loan product reviewed


Kinetic is proud to offer Mobile Banking through all available channels. Our Apple and Android Apps are available for iPhone, iPads as well as Android phones and tablets. Visit your device App Store for download.

We also offer Text Message Banking and Mobile Web access on any web capable cell phone. Visit eBranch to sign up for text message banking.

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.

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

Kinetic’s eBranch has new features!

Managing all your accounts is now easier than ever! Now you are able to view all associated Kinetic Credit Union accounts that you are joint owner on in “My Accounts” without having to perform multiple logins. Cross-member transfers to/from other Kinetic accounts are easier than ever through the credit union’s “Move Money” menu. eBranch users are able to view pending transactions for their accounts. Pending transactions will always show at the top of the account transaction history screen.
  • View pending transactions
  • View all associated Kinetic accounts on which you are a joint owner without having to perform multiple logins
  • Perform cross-member transfers to/from other Kinetic accounts

Kinetic in the Community

Columbus Day

Kinetic will be closed
Monday, October 12th
In observance of Columbus Day

Please remember: Our ATMs, Telephone Banking, Mobile Banking and eBranch are available for your convenience.

Kinetic Yard Sale

Kinetic will host its annual Yard Sale
Saturday, October 31st 7 a.m. to 11 a.m. 13th St. Branch location.

All proceeds benefit local charities.

Paint The Town Pink

Kinetic was proud to sponsor Paint the Town Pink Glow 5K Walk/Run to help raise money and “Waive Cancer Goodbye”! This is an annual event held every October by West Central Georgia Cancer Coalition. 100% of donations remain in our community to reduce the burden of cancer.


Staff members of Kinetic gathered the first weekend in October to walk for the annual JDRF One Walk. This event is held to create a world without Type 1 diabetes.