The Latest News

Smart Steps Financial Education Program

Macon Road Branch Closing

The Macon Road Branch and Drive-thru, located at 2944 Macon Road, is permanently closed. 

Kinetic has five other full-service locations to serve you including our 13th Center Branch and Drive-thru located less than 2 miles away. Click here for a complete list of branches and ATMs.

Remember, should you need to apply for a loan, just call (706) 320-8575 or apply online at You do not need to visit a branch to apply. 

Kinetic Mortgages

Contact our Residential Lending Department
706.320.8585 or

Kinetic Mobile App Widget

Click here to learn how to add the widget to your apple or android device.

Give your account a new nickname through online banking!

Click here for details.

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 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.