# Kinecta Federal Credit Union 15-Month Jumbo Certificate: 3.75% APY

Canonical: https://dealaka.com/offers/kinecta-federal-credit-union-15-month-jumbo-certificate-rate

- Status: Limited reports
- Bonus: 3.75% APY
- APY: 3.75% (15-month term)
- Requirement: $100,000 minimum, 15-month term
- Expires: no published end date
- Availability: Nationwide
- Institution: Kinecta Federal Credit Union
- Verified: Aug 11, 2026 against kinecta.org
- Field reports: 0

## Summary
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.

## Requirements
1. Apply through the offer page to open the 15-Month Jumbo Certificate.
2. Complete the requirement: $100,000 minimum, 15-month term.

## 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

## Sources
- kinecta.org rate page <https://www.kinecta.org/> (checked Aug 11, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._