Credit union · NCUA insured
Kinecta CD Rates
Kinecta’s best CD rate is 4.50% APY on an 18-month share certificate (CD). Terms run from 9 months to 18 months. Rates checked October 16, 2026.
How Kinecta’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Kinecta has the most branches. $10,000, best rate first.
This credit union’s best
Kinecta
4.35%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $660
Certificate
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificate
Up to 4.50%APY · 2 terms
Membership requirements apply. Fixed rate, fixed term account; stated APY applies to the initial term assuming all dividends remain until maturity. Dividends compound monthly. Early withdrawal penalty applies and fees may reduce earnings. Upon maturity, non-IRA promotional certificate funds transfer to Regular Share Account unless alternative instructions are provided.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsFixed rate and term for initial 9 months. Dividends compounded monthly | 4.00% | — |
| 18 monthsFixed rate and term for initial 18 months. Dividends compounded monthly | 4.50% | — |
Certificate
Up to 4.35%APY · 2 terms
Membership requirements apply. Fixed rate, fixed term account; stated APY applies to the initial term assuming all dividends remain until maturity. Dividends compound monthly. Early withdrawal penalty applies and fees may reduce earnings. Upon maturity, non-IRA promotional certificate funds transfer to Regular Share Account unless alternative instructions are provided.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsFixed rate and term for initial 9 months. Dividends compounded monthly | 3.85% | $287 |
| 18 monthsFixed rate and term for initial 18 months. Dividends compounded monthly | 4.35% | $660 |
Who can join Kinecta
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.