Kinecta Huntington Beach CA Credit Union | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Kinecta at our Huntington Beach branch, located at 7881 Edinger Ave, Huntington Beach, CA 92647. Established in 1940, we are proud to serve over 251,834 members with a commitment to providing personalized financial solutions that fit your needs. With total assets reaching an impressive $6,748,872,512, and total deposits of $206,113,615, we are here to help you achieve your financial goals. At Kinecta, we understand that every member's journey is unique. Our dedicated team of 695 employees, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, works tirelessly to foster a sense of community and trust. Whether you need assistance with personal banking, auto loans, or business services, our experienced staff is ready to guide you through every step. While members can visit us at our branch address for in-person services or inquiries, official correspondence should be sent to the same address. We have all the tools you need for your banking experience right here enjoy convenient online banking options and access to ATMs for quick transactions. Join us as we continue to grow together! Feel free to call us at 310-643-3500 for any questions or visit our website at Kinecta.org to learn more about how we can support your financial journey.

Branch History & Mission

Community Engagement

Community outreach is at the heart of what we do. Through various partnerships and initiatives, we actively contribute to local organizations that enhance the quality of life in Huntington Beach and surrounding areas. We know that when our community thrives, so do our members. With operating hours from Monday to Friday between 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM (closed on Sundays), we're here to meet your needs when it's most convenient for you. Plus, with ATM availability on-site and no drive-thru service currently offered, we encourage you to visit us inside where our friendly staff is ready to assist you. Join us today at Kinecta! Experience the benefits of being part of a cooperative that puts its members first while supporting the community every step of the way. Whether you're looking to open an account or need assistance with loans or banking services, we're here for you. For more information about membership or how to get started with us, please visit our website or call us at 310-643-3500. Your journey towards financial empowerment starts here!

Our Mission

Kinecta's mission is clear: to provide exceptional financial services while supporting and uplifting our community. We believe in empowering individuals and families through personal banking options such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment extends beyond mere transactions; we strive to foster strong relationships with our members by offering resources that help them achieve their financial goals. As we move forward into a digital future, we are dedicated to ensuring that all our services are accessible to everyone. Our branch is ADA compliant and offers online banking, mobile payments, e-statements, and more all designed with your convenience in mind.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

When you visit us at our Huntington Beach location, you'll find ample parking available to make your visit hassle-free. We're just a stone's throw away from popular spots like the Huntington Beach Central Park and the vibrant shopping areas along Edinger Avenue. This central location ensures that whether you're coming from home or on your way to explore the local attractions, stopping by Kinecta is quick and easy.

Modern Amenities and Accessibility

At Kinecta, we believe in providing a welcoming environment for everyone. Our branch is fully ADA compliant, featuring ramps and accessibility options for all our members. Whether you're here for personal banking services like checking and savings accounts or need help with auto loans and mortgages, our knowledgeable staff is ready to assist you.

Operating Hours to Suit Your Schedule

We understand that life can get busy, which is why we offer flexible hours to accommodate your schedule. Our lobby is open Monday through Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM perfect for those who want to handle their banking on weekends!

Services Tailored for You

In addition to traditional banking services, Kinecta offers a variety of options including auto loans, credit cards with rewards, business banking solutions, and online/mobile banking. Plus, with ATM availability right at our branch, you can quickly access cash or check your balance anytime. While members can visit us at 7881 Edinger Ave, official correspondence should be sent to the same address as our mailing address: 7881 Edinger Ave, Suite 120, Huntington Beach, CA 92647. We invite you to stop by or give us a call at 310-643-3500 for any questions or assistance you may need. Experience the difference at Kinecta your community-focused credit union!

Member Eligibility

Becoming a member of Kinecta is like joining a close-knit community where everyone supports one another. If you're looking to enjoy the benefits that come with being part of our family, you'll be pleased to know that eligibility is quite accessible! You can join us if you live, work, or worship in certain areas, or even if you have family members who are already part of our credit union. It's all about building relationships and helping each other thrive. For a more detailed look at the specific criteria, feel free to check out our eligibility page at https://kinecta.myori.com/app/oao/membership. Opening an account with us is straightforward and welcoming. You can start the process online by visiting https://securebanking.kinecta.org/registration, or simply give us a call at (310) 643-3500 if you prefer to talk to someone directly. Our team is here to guide you every step of the way! Join us at Kinecta, located at 7881 Edinger Ave Huntington Beach Ca 92647, and experience the many advantages of membership today.

Business Banking & Commercial Services

At Kinecta, we understand that every business has unique needs and aspirations. That's why we are dedicated to providing tailored financial solutions that empower entrepreneurs and support local growth. Imagine a small café in Huntington Beach, CA that dreams of expanding its menu or adding outdoor seating. With our commercial loans, they can turn that vision into reality. 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. - With an outstanding commercial loan portfolio of $779,447,626, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services make transactions easier for business owners. From payment processing to cash management, we provide the tools needed to thrive in today's competitive market. If you're ready to take your business to the next level, visit us at 7881 Edinger Ave Huntington Beach Ca 92647 or call us at (310) 643-3500. Let's work together to build a brighter future for your enterprise!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, Kinecta offers essential business banking services like merchant services and business loans. We know that running a business comes with its own set of challenges, so we strive to make banking as simple as possible allowing you to focus on what matters most: your business.

Credit Cards and Rewards

Don't forget about our credit cards! With rewards programs designed for everyday spending, earning points has never been easier. Imagine enjoying cash back on groceries or travel rewards when planning your next adventure.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. Whether it's checking balances from your couch or making payments on the go, managing your finances has never been more straightforward. Our ATM services ensure that you have access to cash whenever you need it, without any hassle. We invite you to visit us at 7881 Edinger Ave Huntington Beach Ca 92647 or give us a call at (310) 643-3500 to learn more about how we can assist you with these services and more. At Kinecta, your financial well-being is our top priority!

Mortgage Solutions

If homeownership is on your horizon, explore our mortgage loans and refinancing options. Our knowledgeable staff can guide you through the process, ensuring you find a loan that fits your budget. Plus, if you're looking to consolidate debt or manage unexpected expenses, our personal loans can provide the financial relief you need.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts tailored for every lifestyle. Whether you're saving for a vacation, a new home, or just building an emergency fund, our accounts come with features designed to help you reach your goals. For instance, if you're considering buying a car, our auto loans provide competitive rates and flexible terms, making it easier for you to drive off in your dream vehicle.

Digital & Online Banking

Key Features

With just a few clicks, you can access our user-friendly online banking portal at https://www.kinecta.org/. Here, you'll find everything you need to manage your accounts effectively. Want to keep track of your spending? Check your balance in real-time, pay bills, and set up e-statements for easy record-keeping all while enjoying the peace of mind that comes from knowing your information is safe and sound. Are you tired of writing checks or handling cash? With our mobile payments feature, you can make purchases directly from your smartphone no wallet required! Plus, our mobile application makes it even easier to bank on the go. Download it today and take control of your finances right from your pocket.

Security and Accessibility

Security is a top priority for us. Our electronic signature authorization system ensures that your transactions are protected, so you can complete forms or agreements securely online. And with 24/7 online banking services available, you can access your accounts whenever it suits you whether it's early morning or late at night. Need to send money to friends or family? Our person-to-person transfer service allows for quick and easy transactions without the hassle of cash or checks. It's all about making banking work for you! At Kinecta, we're committed to providing accessible and easy-to-use tools for all our members. Join us today and experience the future of banking with confidence!

Financial Strength

Commitment to Growth

With $455,130,523 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $19,331 in used auto loans and $5,730,695,616 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts: 464,147, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 7881 Edinger Ave Huntington Beach Ca 92647 or call (310) 643-3500 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling 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.

Secure Savings Opportunities

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.

Strong Financial Health

With a net worth of $551,264,425, we maintain strong financial health, 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.

Loan Offering

Additional Financing Options

For those seeking additional funding solutions, our total credit lines reach an impressive $2,195,866,169, providing ample opportunities for personal or business needs. Additionally, if you're a business owner looking for growth capital, our outstanding commercial loans totaling $779,447,626 are designed to support your ventures. At Kinecta, we believe everyone deserves access to financial resources that empower them. If you're considering refinancing or want more information on eligibility options for any of these products, please don't hesitate to reach out. You can contact us at 310-643-3500 during our operating hours: Monday through Friday from 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at Kinecta to explore how we can assist you with your financial journey!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we can provide flexible terms that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183, making it easier than ever to invest in your future. Whether you're purchasing a new home or looking to refinance your existing mortgage, our dedicated team is here to guide you through the process.

Unsecured Credit Card Loans

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. This option allows you to access funds without needing collateral while benefiting from manageable payment plans.

Loan Aggregator

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Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans