Whether you’re saving for short- or long-term needs, certificate accounts offer a great way to save for the future. Benefits include:

  • No maintenance fee
  • Minimum deposit of $500
  • Variety of terms, ranging from three months to 48 months
  • IRA Certificates
  • Prime Club members earn a special bonus rate of certificates*

*Certain restrictions apply 


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  • Special Certificate Rate

    Finish Strong with a Fresh Start! 

    Special Certificate Rate

    • 3.00% APY* for 22 Months
    • Only $30 to get started.
    • You can make deposits throughout the term of the account.

     

    Call 706.320.8500 or Visit a Full-Service Kinetic Branch to get started!

    *APY = Annual Percentage Yield. Certificate Special is available for a limited time. The Special 22-Month Certificate has a $30 minimum balance to open. This offer is only available for Share Certificates. Additional deposits are allowed at any time during the term of the certificate. Penalties apply for early withdrawals. Other restrictions may apply.

     

  • Monthly Certificate

    Account Type (Monthly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month .60% / .60% $500.00
    6 Month .65% / .65% $500.00
    12 Month 1.40% / 1.40% $500.00
    18 Month 1.50% / 1.50% $500.00
    24 Month 1.70% / 1.70% $500.00
    30 Month 1.75% / 1.75% $500.00
    36 Month 1.80% / 1.80% $500.00
    48 Month 2.00% / 2.00% $500.00
  • Prime Club Monthly Certificate

    Account Type (Prime Club Monthly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month .75% / .75% $500.00
    6 Month .80% / .80% $500.00
    12 Month 1.55% / 1.55% $500.00
    18 Month 1.65% / 1.65% $500.00
    24 Month 1.85% / 1.85% $500.00
    30 Month 1.90% / 1.90% $500.00
    36 Month 1.95% / 1.95% $500.00
    48 Month 2.15% / 2.15% $500.00
  • Quarterly Certificate

    Account Type (Quarterly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month .60% / .60% $500.00
    6 Month .65% / .65% $500.00
    12 Month 1.40% / 1.41% $500.00
    18 Month 1.50% / 1.51% $500.00
    24 Month 1.70% / 1.71% $500.00
    30 Month 1.75% / 1.76% $500.00
    36 Month 1.80% / 1.81% $500.00
    48 Month 2.00% / 2.01% $500.00
  • Prime Club Quarterly Certificate

    Account Type (Prime Club Quarterly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month .75% / .75% $500.00
    6 Month .80% / .80% $500.00
    12 Month 1.55% / 1.56% $500.00
    18 Month 1.65% / 1.66% $500.00
    24 Month 1.85% / 1.86% $500.00
    30 Month 1.90% / 1.91% $500.00
    36 Month 1.95% / 1.96% $500.00
    48 Month 2.15% / 2.17% $500.00
  • IRA Quarterly Certificate

    Account Type (IRA Quarterly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month .60% / .60% $500.00
    6 Month .65% / .65% $500.00
    12 Month 1.40% / 1.41% $500.00
    18 Month 1.50% / 1.51% $500.00
    24 Month 1.70% / 1.71% $500.00
    30 Month 1.75% / 1.76% $500.00
    36 Month 1.80% / 1.81% $500.00
    48 Month 2.00% / 2.01% $500.00
  • First-time Homebuyer Certificate

    Owning a home just got easier thanks to Kinetic's First-time Homebuyer Certificate. If you have started looking for a new home or saving for a down payment, Kinetic's First-time Homebuyer certificate is the perfect way to maximize your savings. 

    • *24-month term share certificate
    • $500 minimum to open
    • 2.50% APY**
    • Eligible for additional deposits throughout the certificate term
    • Maximum balance of $15,000
    • Limit one certificate per membership
    • ***Closing credit of $500 towards your mortgage closing with Kinetic

    Federally Insured by NCUA

    *Certificate is not eligible to automatically rollover into another certificate. However members do have the option to request a one-time renewal. Penalty for early withdrawal but the penalty will be waived if member presents a copy of a buyer’s contract. **APY=Annual Percentage Yield.  Rates are accurate as of October 1, 2018.  ***Certificate must be opened a minimum of 90 days and cannot be used on an FHA loan. Loan must be closed within 6 months after certificate maturity.