Credit union · NCUA insured
Kinetic Credit Union CD Rates
Top CarrotKinetic Credit Union’s best CD rate is 3.25% APY on a 6-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Kinetic Credit Union’s CD rates compare
Compared with banks and credit unions near Columbus, GA-AL, where Kinetic Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kinetic Credit Union
3.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $161
Promotional Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Navy Federal Credit Union
4.10%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $621
Kinetic Credit Union CD score
66
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo0.65%
- 31–60 months31–60 mo0.65%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Kinetic Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promotional Certificate
3.25%APY · 2 terms
Limited time offer. $500.00 minimum to open and earn stated APY. Additional deposits are not allowed during the term. Penalty for early withdrawal. Fees could reduce earnings. Upon maturity, converts to a Standard certificate of equal term at the current rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsUpon maturity, 6 month certificate converts to a Standard 6 month certificate at current rate | 3.25% | $161 |
| 12 monthsUpon maturity, 12 month certificate converts to a Standard 12 month certificate at current rate | 3.25% | $325 |
Sources (1)
- kineticcu.com/certificates · captured Oct 15, 2026
First-time Homebuyer Certificate
2.50%APY · 1 term
$500 minimum to open. Eligible for additional deposits throughout the certificate term. Maximum balance of $15,000. Limit one certificate per membership. Certificate is not eligible to automatically rollover into another certificate; members have the option to request a one-time renewal. Penalty for early withdrawal is waived if member presents a copy of a buyer's contract. 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.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months$500 minimum to open, max balance $15,000. Eligible for additional deposits. One certificate per membership. Non-automatic rollover with one-time renewal option. Early withdrawal penalty waived with buyer's contract. Must be open min 90 days, mortgage closed within 6 months of maturity, cannot be used on FHA loan | 2.50% | $506 |
Sources (1)
- kineticcu.com/residential-lending · captured Oct 15, 2026
Standard Certificate
Up to 0.65%APY · 8 terms
Additional deposits are allowed on 3, 6, 12, 18, and 24-month Certificate terms. Monthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate on all Standard Certificate terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAdditional deposits allowed. Monthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.15% | $4 |
| 6 monthsAdditional deposits allowed. Monthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.25% | $12 |
| 12 monthsAdditional deposits allowed. Monthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.50% | $50 |
| 18 monthsAdditional deposits allowed. Monthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.50% | $75 |
| 24 monthsAdditional deposits allowed. Monthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $130 |
| 30 monthsMonthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $163 |
| 36 monthsMonthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $196 |
| 48 monthsMonthly Certificates do not compound; dividends calculated monthly and disbursed. Quarterly Certificates compound and post dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $263 |
Sources (1)
- kineticcu.com/certificates · captured Oct 15, 2026
Special-purpose accounts
Promotional IRA Certificate
3.25%APY · 2 terms
Limited time offer. $500.00 minimum to open and earn stated APY. Additional deposits are not allowed during the term. Penalty for early withdrawal. Fees could reduce earnings. Upon maturity, converts to a Standard certificate of equal term at the current rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsUpon maturity, 6 month certificate converts to a Standard 6 month certificate at current rate | 3.25% | $161 |
| 12 monthsUpon maturity, 12 month certificate converts to a Standard 12 month certificate at current rate | 3.25% | $325 |
Sources (1)
- kineticcu.com/certificates · captured Oct 15, 2026
Standard IRA Certificate
Up to 0.65%APY · 8 terms
IRA Certificates compound and post dividends quarterly. Additional deposits are allowed on 3, 6, 12, 18, and 24-month Certificate terms. Prime Club members receive a 0.15% bonus dividend rate on all Standard Certificate terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAdditional deposits allowed. Compounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.15% | $4 |
| 6 monthsAdditional deposits allowed. Compounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.25% | $12 |
| 12 monthsAdditional deposits allowed. Compounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.50% | $50 |
| 18 monthsAdditional deposits allowed. Compounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.50% | $75 |
| 24 monthsAdditional deposits allowed. Compounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $130 |
| 30 monthsCompounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $163 |
| 36 monthsCompounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $196 |
| 48 monthsCompounds and posts dividends quarterly. Prime Club members receive a 0.15% bonus dividend rate | 0.65% | $263 |
Sources (1)
- kineticcu.com/certificates · captured Oct 15, 2026
Who can join Kinetic Credit Union
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