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What's New at Your Credit Union

Easily move money between your accounts at Kinetic and other financial institutions.
  • Save time with no need to visit branches or write checks.
  • Schedule automatic, recurring transfers for a simple savings plan.
  • Control your money from one dashboard - fast and easy.
Simply log in to eBranch and go to Move Money. Click on Funds Transfers and Transfer between your Kinetic account.
Kinetic is excited to announce the following changes to your Smart Rate Checking account:
  • As of Feb. 1, 2016, you are no longer charged a $1.00 point-of-sale fee for purchases with your Kinetic debit card
  • Effective March 1, 2016, direct deposit will no longer be a Smart Rate account requirement
Beginning March 1, the Smart Rate Checking account will have the following requirements:
  • Agree to receive statements electronically (as you do now)
  • Conduct at least 10 debit card transactions per calendar month
Smart Rate Checking account holders who meet the monthly requirements will continue to earn 2.00% APY* on balances up to $5,000.00. In addition to the 2.00% APY you earn on balances up to $5,000.00, Kinetic is raising the rates on balances of $5,000.01 - $20,000.00. Effective March 1, any balance in your Smart Rate Checking account above $5,000.00 will earn 0.30% APY.
*APY = Annual Percentage Yield. Smart Rate Checking is a tiered rate account. Account holders must agree to receive statements electronically and conduct at least 10 debit card transactions (point of sale PIN and/or signature debit transactions) per calendar month. If you meet the requirement of electronic statements and the requirement of ten (10) debit card transactions, you will earn 2.00% APY on your Average Daily Balance up to $5000.00. In addition, the second dividend rate and annual percentage yield listed in the Rate Schedule for this account will apply on balances over $5,000.00. If you do not meet the requirement of electronic statements and/or the requirement of ten (10) debit card transactions, the second dividend rate and annual percentage yield listed in the Rate Schedule for this account will apply on balances over 5,000.00.

** Smart Rate Checking account holders receive two (2) free non-Kinetic ATM transactions per month. The operator of the ATM may assess a fee for cash withdrawals and balance inquiries.

Now you don’t need to write a check or carry cash to pay people. Just use the Popmoney personal payment service – available now inside Kinetic eBranch and our Mobile App. 

Ronald J. Mahoney Kinetic Scholarships

Ron Mahoney dedicated a part of his life to serve the needs of Kinetic Credit Union. Mr. Mahoney, who passed away in January, served on the Board of Directors for 18 years and was Chairman since 2007. He was committed to excellence and service as demonstrated by his dedication to our credit union and community projects. We are proud to announce that our annual scholarships have been named in his honor.

Kinetic awards two $2,500 scholarships each year to two deserving seniors who best demonstrate a commitment to excellence and service. For more information, or to get an application packet, email us at
ENV Cards
Kinetic Credit Union will soon be issuing high-tech chip cards to all our debit and credit cardholders.

Learn more about the security enhancements chip cards offer. While there, be sure to review our Frequently Asked Questions and view the short video illustrating how to use your card at chip-enabled terminals.

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.


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

Our Partner in Education, WRBL News 3, hosted Loyd elementary Leadership Academy at The Columbus Museum with an educational tour followed by a scavenger hunt. Students learned about local history, art and the artists who have their work on display at the museum.


Kinetic sponsored MWR’s Spring Eggstravaganza in March at Fort Benning. This free family event included egg hunts for ages 18 months to 11 years old, games, face painting, crafts and prizes.