The benefits of a Kinetic membership extend far beyond convenient banking solutions, competitive rates, and financial advice. Kinetic Credit Union focuses on the unique needs of our members while supporting and improving their lives. 

New Member Benefits

0.25% Discount

on the loan rate of your first Kinetic Vehicle or Personal Loan. Expires 90 days after account opening.

Vehicle Loan Rates

Personal Loan Rates

0.25% Bonus Rate

on your first certificate purchase. Expires 60 days after account opening.

Certificate Rates

Welcome Pack of Checks

upon opening your Kinetic Checking account. Expires 30 days after account opening.

More Benefits of being a member of Kinetic

Excellent Member Experience

Our mission is to help members and their families improve the quality of their lives with safe, cost-saving financial services.

Great Rates

We keep our rates competitive so your money can work harder for you. Kinetic offers lower rates on loans and credit cards and higher yields on savings accounts.

Purchase Rewards*

Put money back in your pocket with Purchase Rewards! Just shop with your Kinetic debit card and get cash back rewards deposited directly into your checking account. It’s easy and it’s FREE! Registration/activation required.

Cutting-edge Mobile

Our apps give you access, control, and convenience. You’ll enjoy great benefits, such as balance alerts, person-to-person payments, and debit card control. Plus, pay on the go with Apple Pay, Google Pay, and Samsung Pay.

Identity Theft Protection*

You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service, can help better protect you and your family's identities. Registration/activation required.

Monthly Credit Monitoring*

IDProtect will monitor your Equifax, Experian, and TransUnion credit files daily, and alert you if key changes occur. Registration/activation required.

Surcharge-Free ATMs Nationwide

Access to our many convenient ATM locations or ATM networks nationwide.

Health & Pharmacy Discounts*

Enjoy savings on vision, prescriptions and dental services. This is NOT insurance. Registration/activation required.


Occasional Overdraft Privilege Service allows us to consider, without obligation on our part, payment of your reasonable overdrafts, up to your OOPS! limit, as long as you maintain your account in good standing. Certain restrictions may apply.

Great Savings at National Retailers*

Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discount from their smartphone. Registration/activation required.

Discount Movie Tickets*

You can purchase movie tickets at a discounted rate! Registration/activation required.

Join Kinetic Credit Union, today!

Call 706.320.8575 or Visit any Full-Service Kinetic Branch

Join Now

All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Other restrictions may apply. 

*A special benefit of Kinetic Checking