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Kinetic Mortgages

Contact our Residential Lending Department
706.320.8585 or mortgages@kineticcu.com

Kinetic Mobile App Widget

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Give your account a new nickname through online banking!

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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.