Buying, selling or refinancing? Kinetic offers many different types of mortgages to fit your every need. We offer solutions to help you buy the home of your dreams.

Sign up for Rate Watch and get up-to-date information on your Kinetic Rates!

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We offer:

Contact our Residential Lending Department at 706.320.8585 or

Apply for a loan now! Rates and Calculators


Advantages to a Credit Union Mortgage Loan

  • Preliminary mortgage counseling
  • Member pre-qualification
  • Itemized estimate of loan charges
  • Competitive interest rates and points
  • Variety of loan programs to choose from
  • Automatic deduction of monthly payment from your transaction account
  • Georgia Residential Mortgage Licensee
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First-time Homebuyer Certificate

  • *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 [effective-date].  ***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.  

Auto & Homeowners Insurance


You trust Kinetic Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you TruStage™ Auto & Homeowners Insurance. Auto and homeowners Insurance is now available through our website to provide better convenience to our members:

  • Convenient e-service, pay your bill or make changes to your policy, even report a claim. All online.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free, no obligation quote to locate an agent at the local Liberty Mutual sales office.

Exclusively for credit union members like you, the TruStage™ Auto & Home Insurance Program provides affordable, top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

Learn More

TruStage™ Auto & Home Insurance Program is offered by TruStage™ Insurance Agency, LLC, and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-7C9E

If you would like to make a request for information or an error resolution on your Kinetic Credit Union home equity loan, please submit the request in writing and send to:

Kinetic Credit Union
PO Box 9818
Columbus, GA 31908