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Certificate Specials
Regular, IRA & Business
| Account Type | Dividend Rate | Annual Percentage Yield (APY) | Minimum Opening Deposit |
|---|---|---|---|
| 7 Month | 5.15% | 5.25% | $500.00 |
| 16 Month | 4.18% | 4.25% | $500.00 |
*Annual Percentage Yield is accurate as of 09/01/2023.
Limited time offer. $500.00 minimum to open and earn stated APY. Additional deposits are allowed during the term of the certificate. A penalty is imposed for early withdrawal. Upon maturity, 7 month certificate will convert to a 6 month certificate at the current rate. Upon maturity, 16 month certificate will convert to an 18 month certificate at the current rate. Contact Kinetic for additional disclosures.
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: [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.
***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.
All rates effective as [effective-date]