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
  • Variety of terms, ranging from three months to 48 months
  • IRA Certificates
  • Prime Club members earn a special bonus rate on certificates*

*Certain restrictions apply 


Effective Date:
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  • Monthly Certificate

    Account Type (Monthly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month 0.15% / 0.15% $500.00
    6 Month 0.25% / 0.25% $500.00
    12 Month 0.50% / 0.50% $500.00
    18 Month 0.50% / 0.50% $500.00
    24 Month 0.65% / 0.65% $500.00
    30 Month 0.65% / 0.65% $500.00
    36 Month 0.65% / 0.65% $500.00
    48 Month 0.65% / 0.65% $500.00

    *Additional deposits allowed for 3, 6, 12, 18 and 24 month. 

     

  • Prime Club Monthly Certificate

    Account Type (Prime Club Monthly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month 0.30% / 0.30% $500.00
    6 Month 0.40% / 0.40% $500.00
    12 Month 0.65% / 0.65% $500.00
    18 Month 0.65% / 0.65% $500.00
    24 Month 0.80% / 0.80% $500.00
    30 Month 0.80% / 0.80% $500.00
    36 Month 0.80% / 0.80% $500.00
    48 Month 0.80% / 0.80% $500.00

    *Additional deposits allowed for 3, 6, 12, 18 and 24 month. 

     

  • Quarterly Certificate

    Account Type (Quarterly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month 0.15% / 0.15% $500.00
    6 Month 0.25% / 0.25% $500.00
    12 Month 0.50% / 0.50% $500.00
    18 Month 0.50% / 0.50% $500.00
    24 Month 0.65% / 0.65% $500.00
    30 Month 0.65% / 0.65% $500.00
    36 Month 0.65% / 0.65% $500.00
    48 Month 0.65% / 0.65% $500.00

    *Additional deposits allowed for 3, 6, 12, 18 and 24 month. 

     

  • Prime Club Quarterly Certificate

    Account Type (Prime Club Quarterly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month 0.30% / 0.30% $500.00
    6 Month 0.40% / 0.40% $500.00
    12 Month 0.65% / 0.65% $500.00
    18 Month 0.65% / 0.65% $500.00
    24 Month 0.80% / 0.80% $500.00
    30 Month 0.80% / 0.80% $500.00
    36 Month 0.80% / 0.80% $500.00
    48 Month 0.80% / 0.80% $500.00

    *Additional deposits allowed for 3, 6, 12, 18 and 24 month. 

     

  • IRA Quarterly Certificate

    Account Type (IRA Quarterly Certificate) Dividend Rate/ Annual Percentage Yield (APY) Minimum Opening Deposit
    3 Month 0.15% / 0.15% $500.00
    6 Month 0.25% / 0.25% $500.00
    12 Month 0.50% / 0.50% $500.00
    18 Month 0.50% / 0.50% $500.00
    24 Month 0.65% / 0.65% $500.00
    30 Month 0.65% / 0.65% $500.00
    36 Month 0.65% / 0.65% $500.00
    48 Month 0.65% / 0.65% $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 June 1, 2019.  ***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.