Kinecta Fountain Valley CA Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Kinecta, your trusted credit union in the heart of Fountain Valley, CA. Located at 17860 Newhope St Ste 102, we have been proudly serving our community since 1940. With a focus on building strong relationships, we are dedicated to meeting the financial needs of our members and ensuring their success. At Kinecta, we understand that your financial journey is unique. That's why we offer a range of services tailored to support you, whether you're looking for personal banking options, auto loans, or business financing solutions. Our commitment to excellence is reflected in our impressive financial standing, with total assets reaching an impressive $6,748,872,512 and total deposits of $206,113,615. We take pride in being a reliable partner for our 251,834 members. Under the leadership of CEO Keith Sultemeier and Board President Jeffry Yonemura, our team of 695 employees is here to provide exceptional service. Whether you're visiting us in person or connecting through our online banking platform, you can count on personalized assistance every step of the way. While members can visit us at our branch address, official correspondence should be sent to the same location: 17860 Newhope St Ste 102, Fountain Valley, CA 92708-5424. We invite you to explore everything Kinecta has to offer. For any questions or assistance, feel free to call us at 310-643-3338 or visit our website at kinecta.org. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Our mission extends beyond just providing financial products; it's about making a real impact in the lives of those we serve. We actively engage in community outreach initiatives, forming partnerships with local organizations to support various causes and programs that uplift our neighbors. This dedication reflects our core belief that when our community thrives, so do we. While members can visit us at our Fountain Valley branch address mentioned above for all their banking needs during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM official correspondence should be sent to our mailing address at 17860 Newhope St. Ste 102, Fountain Valley, CA 92708-5424.

Join Us

As we look toward the future, Kinecta remains committed to evolving with technology while ensuring accessibility for all members. With ATM availability and an array of customer-centric initiatives like electronic signatures and mobile payments, we're dedicated to providing a safe and efficient banking experience. We invite you to join Kinecta Credit Union today! Experience the benefits of membership firsthand by visiting us or exploring our website at kinecta.org. Discover how we can help you achieve your financial goals while being part of a community-focused credit union that truly cares.

Branch Location & Accessibility

Easy Access and Parking

At Kinecta, we prioritize accessibility for all our members. Our location is ADA compliant, ensuring that everyone can navigate our space comfortably. There's ample parking available, so you won't have to worry about finding a spot during your visit.

Operating Hours to Fit Your Schedule

We understand that life can get busy! That's why our lobby hours are designed with your convenience in mind. Visit us Monday through Friday from 9:00 AM to 6:00 PM, or on Saturday from 9:00 AM to 2:00 PM. We're closed on Sundays, giving our staff some well-deserved time off.

Services at Your Fingertips

Kinecta offers a variety of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgages, and even business banking solutions. If you're looking for cash quickly, we have an ATM available right at the branch for your convenience. While members can visit us at 17860 Newhope St Ste 102 for all their banking needs, any official correspondence should be sent to our mailing address: 17860 Newhope St. Ste 102, Fountain Valley, CA 92708-5424.

We're Here for You!

Feel free to reach out with any questions or concerns; just give us a call at 310-643-3338. Our friendly team is ready to assist you with anything you need. So why not come by today? We'd love to welcome you into the Kinecta family!

Member Eligibility

Joining the Kinecta family means stepping into a community that cares about your financial well-being. To become a member, you'll find that eligibility is quite accessible. If you're living or working in the areas we serve, or if you have family members who are already part of our cooperative, you can easily join us! We welcome individuals who share our values and vision for a brighter financial future. Plus, being a member gives you access to personalized services, competitive rates, and a supportive network that's always here for you. If you're ready to take the next step, opening an account is simple! You can learn more about the specific eligibility criteria by visiting our detailed resource at https://kinecta.myori.com/app/oao/membership. For those eager to get started right away, check out the account opening process at https://securebanking.kinecta.org/registration. Should you have any questions or need assistance, feel free to call us at (310) 643-3338. We're excited to help you on your journey with Kinecta, located at 17860 Newhope St Ste 102 Fountain Valley Ca 92708!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services allow you to accept payments seamlessly, whether online or in-store. Imagine being able to focus on what you do best running your business while we handle the transactions smoothly. Join us at Kinecta, located at 17860 Newhope St Ste 102 Fountain Valley Ca 92708, Fountain Valley, CA. Let's work together to turn your business aspirations into reality!

Tailored Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $415 in commercial loans for our members, helping businesses scale and succeed. This financing can help you purchase equipment, manage cash flow, or even expand your operations. - With an outstanding commercial loan portfolio of $779,447,626, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

At Kinecta, we prioritize your financial wellness by offering various services beyond traditional banking. From basic ATM access for withdrawals and balance checks to personalized advice from our friendly staff, we're here to support all aspects of your financial journey. If you're ready to take control of your finances or explore what we have to offer, don't hesitate! Reach out today at (310) 643-3338, visit us at 17860 Newhope St Ste 102 Fountain Valley Ca 92708, or explore more online at Fountain Valley. Let us help you achieve your financial goals!

Business Banking

For entrepreneurs and business owners, we understand that managing finances can be challenging. That's why we offer specialized business banking services, including merchant services and business loans designed to help your business thrive. Partnering with us means you'll have the support needed to grow your operations efficiently.

Digital Banking Features

In today's fast-paced world, convenience is key. Our digital banking features allow you to handle transactions easily whether it's accessing cash through our ATMs or using mobile payments for quick purchases. With our secure online platform, you can also send money directly to friends or family through our person-to-person payment service.

Loans and Financing

When it comes to financing options, Kinecta has a variety of choices tailored for your needs. If you're in the market for a new car, our auto loans and vehicle financing make it simple to drive away in your dream vehicle without breaking the bank. For those considering homeownership or refinancing their current mortgage, we provide competitive rates on mortgage loans as well as flexible terms. If you're facing unexpected expenses or looking to consolidate debt, our personal loans can offer relief and peace of mind. And don't forget about our rewarding credit cards, which come with great benefits that can enhance your purchasing power.

Personal Banking

For those seeking everyday banking solutions, our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money effortlessly. Imagine having an account that not only helps you save but also offers easy access through our user-friendly online and mobile banking platforms. You can check your balance, transfer funds, and pay bills from the comfort of your home or on-the-go.

Digital & Online Banking

Key Features of Our Online Banking

Accessing your accounts has never been easier! With just a few clicks at https://www.kinecta.org/, you can check your balances, pay bills, and transfer funds all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you have access to your financial information whenever you need it. We prioritize your security with features like electronic signature authorization, which lets you sign documents safely from anywhere. Plus, if you're looking to reduce paper clutter, our e-statements are available for easy access to your account statements without the hassle of physical mail.

Mobile Banking Made Simple

For those who prefer using their smartphones, our mobile application provides an intuitive way to manage your finances. You can easily make person-to-person transfers, enabling quick payments to friends or family without any fuss. And if you're always on the go, our mobile payments feature allows you to make secure transactions directly from your phone just tap and pay! In summary, Kinecta offers a suite of digital banking tools that not only enhances accessibility but also makes it straightforward for members to manage their accounts in real-time. Experience the ease of banking at your fingertips while enjoying peace of mind with our robust security measures. Join us today and see how simple banking can be!

Financial Strength

At Kinecta, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With strong financial health, we are committed to serving our community with dependable services and support. With a net worth of $551,264,425, we maintain robust financial strength, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 816 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,929,331,277 in share certificates and $216,076,605 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $455,130,523 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $19,331 in used auto loans and over $5.7 billion in total loans and leases. Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 673 full-time employees and 22 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The total share accounts stand at an impressive 464,147, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kinecta is your trusted partner. Visit us at 17860 Newhope St Ste 102 Fountain Valley CA 92708 or call 310-643-3338 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easy for you to find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or increase your inventory, we have options that can support your business ambitions.

Credit Lines

In addition to our personal and auto loans, we also offer a range of credit lines totaling $2,195,866,169. These lines give you the flexibility to access funds when you need them most, allowing you to manage cash flow effectively. If you're interested in any of these products or want to learn more about refinancing options, feel free to reach out! You can contact us at (310) 643-3338, and our friendly staff will be happy to assist you during our operating hours: Monday - Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183, make buying or refinancing simple. Whether you're purchasing your first home or looking to refinance an existing loan, we have solutions tailored to your situation.

Unsecured Credit Card Loans

Managing everyday expenses is important, which is why we also offer flexible terms on unsecured credit card loans. With a total of $115,997,560 in loans helping members manage their finances effectively, our credit cards can help you cover unexpected costs while enjoying competitive rates.

Loan Aggregator

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Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans