The Latest News


Kinetic Stands Ready to Assist Members Impacted by the Partial Government Shutdown

Kinetic Credit Union is committed to helping its members that may be affected during the partial government shutdown.

Current members with direct deposit who are being furloughed will be eligible for the following:

  • Furlough loan with amounts up to two weeks net pay
  • 0% APR for the first 60 days. After 60 days, the rate will be the same as the shared secured loan at that time, currently 4.1% APR (Annual Percentage Rate).
  • Term up to 12 months

All members affected, including those without direct deposit, will have options as well:

  • May apply for a personal loan
  • Option of penalty-free withdrawals on certificates
  • May apply for extensions on current loans

To take advantage of this special service, members can call (706) 320-8575 or visit any full-service Kinetic branch.

The 280 Branch has Reopened!

Kinetic is proud to serve East Alabama with the reopening of the Highway 280 Branch. The updated location is fully equipped with the latest technologies that include our Personal Teller Machines and credit card Instant Issue. 

Auto Refinance Program

Visit our Vehicle Loans page for details!

First-time Homebuyer Certificate

Looking to buy your first home? Kinetic Can Help!

Introducing Kinetic's First-time Homebuyer Certificate. Earn interest while you save for new home! 

  • *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.