Kinecta offers 3.75% APY on a 15-month jumbo certificate with a $100,000 minimum deposit. The rate is fixed for the term and a penalty applies for early withdrawal. Upon maturity, funds transfer to a regular share account unless alternative instructions are provided.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Kinecta Federal Credit Union 15-Month Jumbo Certificate rate
- Apply through the offer page to open the 15-Month Jumbo Certificate.
- Complete the requirement: $100,000 minimum, 15-month term.
The fine print that matters
- Minimum balance to open and maintain is $100,000
- Fixed rate, fixed term account
- APY assumes all dividends remain in certificate until maturity
- Dividends compounded monthly
- Penalty imposed for early withdrawal
- Upon maturity, amounts transfer to regular share account unless alternative instructions given
Verification and reports
Confirmed against kinecta.org on Aug 11, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: kinecta.org rate page (checked Aug 11, 2026)