Kinecta is banking done different. While the journey to success isn’t always a straight line, having the right financial partner by your side can make all the difference. We’re excited to be the partner who helps you achieve your goals and dreams, and we’re committed to sticking by you, every step... show more
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Kinecta Federal Credit Union Reviews
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2.6
98 reviews
98 reviews
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Kinecta Federal Credit Union
Jason Bo @Unauthorized
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1 Star Rating
I've had an account since 1992, but it was a CU which has merged with Kinecta. In my experience, Kinecta is in the habit of disabling my access to my own account, and they've done this to me twice, once on Oct 2023, and again at this time of 4/15/2026. They had me jump though numerous hoops the first time but eventually restored my access. But on this second go round, after providing them with soc #, DOB, copy of valid DL, contact details, acct #, address, most recent transaction details, age of account, name of a previous joint account holder, credit card # with exp, and more, they claim that I am "failing to verify". They have not provided any reason for the denial of access in the first place. I've scheduled an appointment with my trusty lawyer, in addition to a "virtual appointment" with Kinecta, as for no apparent reason this is all Kinecta is willing to do at this point.
I would advise people to steer clear of this shady operation. As soon as the means are available to me, I am fully closing this account and the credit card.
Edit: I just noticed that their slogan is a grammatical atrocity, too. "Banking done different". I would propose that they change their name to more accurately reflect what it is that they do. I would suggest they change their name to, "DisKinectYa"
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
Hi Jason, we sincerely apologize for your frustrating experience. Your feedback is important, and we take account access issues seriously. We’re committed to resolving this matter promptly. Thank you for sharing your thoughts about our slogan as well; we’ll take it into consideration in the future - we took an artistic approach before. Please send us your contact info to [email protected] for the team to look into your situation.
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Kinecta Federal Credit Union
Hugh Beach @mjulstr
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1 Star Rating
Disappointing service. Consistently bad.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
We appreciate your feedback, Hugh. We're sorry to hear about your experience and take your concerns seriously. We're committed to improving our service and would like to understand more about your situation. Please send us your contact info to [email protected]. Thank you for bringing this to our attention.
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Kinecta Federal Credit Union
Delton Murphy @deltonm
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1 Star Rating
Customer service is both terrible and useless. I spent all day trying to deposit money into my checking account. Yes, deposit, not withdraw. The ATM machine they suggested, since I was far away from the credit union, doesn't accept deposits, and the mobile app was not working correctly. Customer service did not provide assistance or accurate information. It's strange having to struggle to make a simple deposit. I am actually closing this account and going to another credit union with working apps, ATMs, and customer service that isn't clueless. Stay away from this awful place.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
Thank you for sharing your experience. We’re sorry to hear about the difficulties you encountered. This is not the experience we aim to provide.
We appreciate you bringing this to our attention and would welcome the opportunity to learn more. If you’d like to follow up, please send us an email to [email protected] with your contact info.
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Kinecta Federal Credit Union
Monique Minner @minnerm
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5 Star Rating
Kinecta is the best! I started banking with Kinecta straight out of college, starting with my first job, through opening a business all the way to retirement and beyond. Very personalized customer service with state-of-the-art apps and security! The Kinecta team is the best! Thank you all for all you do!
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union
Darrenweiler @Darrenweiler
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1 Star Rating
Watch these individuals. I was a member for a long time, but then they switched my account without asking, and it started costing $9.95 per month in service fees. After many attempts to reach them—they are very hard to connect with on the phone—I talked to a woman who said she would switch my account back to the classic version and refund the fees. That never happened, and now, after over 45 minutes on the phone, they offered three months' credit. I am closing my account, which wasn't easy. Now I'm seeing if this was even legal, and it sounds like it isn't. Hopefully, a class-action lawsuit will follow.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
Thank you for taking the time to share your experience, Darrenweiler. We apologize for the frustration you’ve experienced, and we take your concern seriously. We would like to better understand your situation and see if there is anything we can do to improve it. Would you please send us a private message with your contact information so we can reach out to you? Thank you.
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Kinecta Federal Credit Union
JoAnn Noonan @exposedeception
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1 Star Rating
Having been a Kinecta member for years (and my husband many more), we had no issue until March 2025. They did away with our no-fee checking and sent a letter announcing how people were fortunate to be rolled over into a fee checking account ($10/month). There was no indication it was optional or that there was an option to opt out and select classic checking, which has no fees.
The misnomer for the new fee checking account is Protect Plus. I recently found out about three accounts my husband, who has dementia, had, with very little money in them. One of them was made Protect Plus and charged it $10/month fees. I only knew of its existence when I received a letter informing my husband that it was overdrawn, and they removed money from his meager savings account to cover their fees.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union
Kelsey Weiss @kelseynweiss
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5 Star Rating
Verified Customer
Working with Personal Financial Advocate Inez Banuelos was the best customer service experience I've ever had. From start to finish, she went above and beyond to ensure I felt informed and supported throughout the loan process.
Inez's communication was outstanding—she provided consistent updates, explained every step clearly, and even checked in before taking time off to confirm when I'd receive my next update. She was upfront and realistic about expectations, giving me total clarity and confidence.
What truly sets Inez apart is her personal investment—she celebrates your progress and makes you feel like your financial success genuinely matters to her. Thanks to her guidance and expertise, I feel far more confident and secure about my financial future.
Applying for a loan is rarely described as enjoyable or rewarding, but Inez completely broke the mold. Kinecta is incredibly lucky to have her, and I wholeheartedly recommend her to anyone seeking a Personal Financial Advocate who combines professionalism, knowledge, and genuine care for her clients.
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Product: Kinecta Federal Credit Union Personal Loans
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Kinecta Federal Credit Union
ed ar @edy_armendariz
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1 Star Rating
Sudden changes in Kinecta Bank policy caused my Direct Deposits to bounce back to my employer. Kinecta chose not to deposit my IRS Tax refund and stated that they do not accept checks from third-party institutions (the U.S. Treasury Department). They accepted my U.S. Treasury checks for the previous 10 years, so Kinecta no longer functions as a normal bank for me.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union
BM Andrews @ba_fox
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1 Star Rating
Today, August 25, 2025, I called to fund my CD which was opened over the weekend. The identification process with Tony (1485) at 10:47 am PST was excessive and made me feel very uncomfortable. I have been a member for over 40 years and was asked seven questions to verify myself: 1. Account number, 2. Mother's maiden name, 3. Joint account holder's name, 4. Direct deposit name, 5. Whether I have a debit or credit card, 6. Last 4 digits of my debit card, 7. California driver's license number. I have used the 800 customer service before and was never asked all these verification questions. I answered all the questions but was not pleased with the excessive seven questions. I am usually asked three questions. This experience makes me want to rethink doing business with Kinecta.
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Product: Kinecta Federal Credit Union CDs
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Kinecta Federal Credit Union
musashiz222 @musashiz222
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1 Star Rating
Deceptive, sneaky tactics. They will get rid of your free checking account and turn it into a paid account, hoping you won't notice so they can charge you a service fee.
Completely clueless customer service. You can never get a straight answer from the customer service; every person you talk to gives a different story. It seems like no one really knows how the bank works, their turnover rate is so high, and they don't spend enough time training.
They will micromanage you. I would get Zelle payments from a long-term renter, and they considered this business income and threatened to close my accounts unless I proved that it wasn't business income. This was the final straw, and I eventually closed all my accounts.
Long-time customer, even back when they were Hughes Aircraft Credit Union. Terrible credit union; I cannot encourage you enough to stay away from them.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union
crucechristie @crucechristie
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1 Star Rating
They change guidelines for no-fee checking randomly. They changed all checking accounts to "Protect Plus" with benefits such as telehealth and roadside assistance, charging $9.95 a month as a service charge. They claim to have notified customers, but looking online, many are complaining that they received no notice. Of course, when you ask, they say you can opt out, but they won't credit you the fee that was already charged. I've been with them for over 20 years. They've become as underhanded and sneaky as any of the big banks.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
Hello, crucechristie. We appreciate your sincere feedback and apologize for the experience you’ve had. You are a valued member, and maintaining your trust is very important to us. Would you please send us a private message with your contact information so we can reach out to you? Thank you.
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Kinecta Federal Credit Union
Catherine Allison @callison
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1 Star Rating
Absolute terrible customer service at Kinecta. They ruined my father's credit during the years 2012-2016; he has never recovered. I think it is a bit predatory to give a loan with a high monthly payment and a high interest rate to a 19-year-old college student with only a single-parent co-signer. I don't think my dad realized how many fees and extras were going to be added on to the numbers we agreed upon. Please beware of their schemes.
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Product: Kinecta Federal Credit Union Car Loans
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Kinecta Federal Credit Union @Kinecta
Thank you for bringing this situation to our attention, Catherine Allison. We value your feedback, as it will help us improve the experience for all of our members. We would like to better understand your situation and see if there is anything we can do to improve it. Would you please send us a private message with your contact information so we can reach out to you? Thank you.
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Kinecta Federal Credit Union
duongbuius @duongbuius
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5 Star Rating
At Kinecta El Segundo, I am always treated as a beloved family member. I am very familiar with Erica Sandoval, Diane, Sarah, and especially Camille Gilmer. They welcome me with warm smiles, they go out of their way to help me, or to speed up the needed process to fulfill my request. Camille always works, researches, and helps customers with her happy laugh. She recently spent a lot of time helping with my international wire transfer, and I am very happy with her support. Best wishes to all El Segundo Kinecta Service Members. Duong
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Product: Kinecta Federal Credit Union Business Services
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Kinecta Federal Credit Union
moxie1_mon @moxie1_mon
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1 Star Rating
Members of Kinecta since it migrated from the old Xerox Federal Credit Union. Today was the last straw, and (as painful as it is to switch banks these days) I'm closing this account!
"Congratulations on your ProtectPlus benefits! Your checking account has been upgraded for you to receive added benefits with ProtectPlus. Explore your new benefits by clicking on the banner above your accounts in Online Banking or the Mobile App, or by selecting ProtectPlus Benefits in the dropdown menu, under Accounts." This was AUTOMATICALLY "upgraded" for $10/month unless you keep $10,000 in the account. What do you get? Cell phone protection, telehealth services, auto club membership, and more. What the heck?
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
Thank you for bringing this situation to our attention, moxie1_mon. We value your feedback, as it will help us improve the experience for all of our members. Would you please send us a private message with your contact information so we can reach out to you?
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Kinecta Federal Credit Union
mental_absence @mental_absence
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1 Star Rating
Unfortunately, Kinecta is living up to their tagline "banking done different" in the sense that they are "banking done much worse than other options". As of this week, Kinecta sent out mail to account holders stating their accounts will be upgraded to one with an expensive monthly fee and useless "benefits" unless customers call to opt out. I've been waiting in line to speak to someone from Kinecta to opt out FOR SIX HOURS, and nobody is answering the call. I'll be opting out of Kinecta and moving to a different bank this week.
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Product: Kinecta Federal Credit Union Checking
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Kinecta Federal Credit Union @Kinecta
Thank you for your note. While the new checking account, ProtectPlus, was designed to add value for our members, we understand if you choose to opt out of the new product. Please send us an email to [email protected] with your contact info to have someone contact you regarding your concern. For more info, visit: https://www.kinecta.org/protectplus
Get answers to your questions about Kinecta Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The Kinecta Federal Credit Union CD has an APY of 2.500% - 3.050%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
3-Month: 2.500% APY
6-Month: 2.750% APY
1-Year: 3.000% APY
2-Year: 2.850% APY
3-Year: 2.950% APY
5-Year: 3.050% APY
It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the Kinecta Federal Credit Union website.
You can check the best CDs available for you to make sure that whatever decision you go for really fits your goals.
Hello! You do not have to be apart of the military to join Kinecta. We have many ways to qualify for membership. Please stop by one of our branches or visit our website to apply!
You can check for Kinecta credit card pre-approval online. Current Kinecta Federal Credit Union customers may also receive pre-approved offers periodically by e-mail or when logging into their card's online account. And in some cases, Kinecta FCU will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a Kinecta credit card indicates that your chances of being approved for an account are very high, should you decide to apply. It...
That's wonderful to hear! All of our deposits are insured by the NCUA. NCUA has the same limits as the FDIC on all deposits and all deposits are covered. We would be happy to have someone reach out to you directly to share more information. Please send us your contact info to [email protected]. Thank you!
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