Kinecta Lakewood CA Credit Union | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Kinecta, your trusted financial partner located at 4055 Hardwick St, Lakewood, CA 90712. Established in 1940, we have proudly served our community for over eight decades, growing into a member-focused credit union that now boasts a total membership of 251,834. With assets exceeding $6.7 billion, we are dedicated to providing exceptional financial services tailored to meet the diverse needs of our members. At Kinecta, we understand that our success is built on the foundation of trust and reliability. That's why we offer a range of products, from personal banking solutions such as checking and savings accounts to auto loans, mortgages, and business financing options. Our commitment goes beyond just numbers; it's about empowering you to achieve your financial goals with confidence. Our leadership team, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, is passionate about fostering a supportive environment where members can thrive financially. We pride ourselves on being more than just a credit union; we are part of the Lakewood community and strive to make a positive impact through various outreach initiatives. While members can visit us at our branch location, official correspondence should be sent to 4055 Hardwick St, Lakewood, CA 90712. You can reach us at 310-643-3364 or explore our website at Kinecta.org for more information on how we can serve you better. We invite you to join our family at Kinecta, where your financial wellbeing is our top priority. Whether you're looking for competitive rates on loans or personalized service from our dedicated staff, we're here for you every step of the way. Visit us today or give us a call we can't wait to help you achieve your dreams!

Branch History & Mission

Commitment to Excellence

We understand that modern banking needs are evolving. That's why we've invested in digital advancements such as online banking and mobile payments to ensure our members have access to their accounts anytime, anywhere. Our branch also meets ADA compliance standards so that everyone can comfortably use our facilities. Though we do not offer drive-thru services at this location, we are proud to provide ATM availability for quick cash access and basic transactions. Additionally, our dedicated team is always ready to assist you 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.

Join Us!

As we move forward into the future, Kinecta remains committed to fostering financial wellness in Lakewood and beyond. We invite you to experience the benefits of becoming a member of Kinecta. Join us today and take the first step toward achieving your financial dreams! For more information or to open an account, please visit our website or call us at 310-643-3364. Together, let's build a brighter financial future!

Our Mission

At Kinecta, our mission goes beyond just providing financial services; we aim to empower our community. We believe that everyone deserves access to banking solutions that help them achieve their goals. Whether it's opening a checking account, securing an auto loan, or planning for retirement, we are here to guide our members every step of the way. Our commitment to community support can be seen through various outreach programs and partnerships with local organizations. We strive to make a positive impact by contributing to initiatives that enhance the lives of those around us. While you can visit us at our branch on Hardwick St, official correspondence should be sent to our mailing address at the same location for your convenience.

Branch Location & Accessibility

Accessibility Features

At Kinecta, we believe everyone should have access to our services. Our branch is ADA compliant, featuring ramps and wide doorways to ensure all members can visit us comfortably. We offer ample parking spaces right outside for your ease, making it simple for you to pop in whenever you need.

Operating Hours

We're here for you during the week from 9:00 AM to 6:00 PM, and on Saturdays from 9:00 AM to 2:00 PM perfect for those who have busy weekdays! Whether you're stopping by for personal banking or need assistance with loans, our friendly staff is ready to help.

Services Offered

Kinecta provides a range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, with ATM availability right on-site, accessing your cash is quick and easy! While members can visit us at 4055 Hardwick St, official correspondence should be sent to the same address for consistency. If you prefer talking to us directly, feel free to give us a call at 310-643-3364; we're always happy to assist you! We invite you to come visit Kinecta in Lakewood today. Experience personalized banking that puts you first stop by and see how we can help you achieve your financial goals!

Member Eligibility

Joining Kinecta is like becoming part of a close-knit community where your financial well-being is a top priority. To become a member, you'll need to meet a few friendly eligibility criteria that focus on ensuring everyone feels welcome and supported. Generally, if you live, work, or worship in the area around 4055 Hardwick St Lakewood Ca 90712, you can easily qualify for membership. This inclusive approach means many people can take advantage of the fantastic services we offer, from personal banking to loans and more. For more detailed information about specific eligibility requirements, feel free to check out this helpful resource: https://kinecta.myori.com/app/oao/membership. Opening an account at Kinecta is straightforward and designed with your convenience in mind. You can start the process by visiting our online account opening page at https://securebanking.kinecta.org/registration. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (310) 643-3364. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial 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. - With an outstanding commercial loan portfolio of $779,447,626, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business smoothly with tools designed to simplify transactions. Our merchant services allow you to accept payments easily, whether online or in-store. You can focus on what you do best growing your business while we take care of the payment processes. Located at 4055 Hardwick St Lakewood Ca 90712 in Lakewood, CA, we're here to partner with you for success. Reach out today at (310) 643-3364 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking

For our business members, we understand the unique challenges you face. Our Business Banking services include merchant services and business loans designed to support growth and efficiency. We are committed to helping local businesses thrive by providing the tools they need to succeed.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. With just a few taps on your smartphone, you can manage accounts, pay bills, and transfer money anytime, anywhere. Plus, our ATM & Cash Withdrawal Services ensure you have easy access to your cash when you need it most.

Financial Flexibility

Life can be unpredictable, which is why having access to Personal Loans & Debt Consolidation can be a lifesaver during tough times. Whether you need extra cash for an unexpected expense or want to simplify multiple debts into one manageable payment, we're here to help. Additionally, our Credit Cards with Rewards program allows you to earn points on everyday purchases. Imagine using those rewards for travel or shopping it's just another way we help enhance your financial journey.

Personal Banking Solutions

For those who want to manage their finances effectively, our Personal Banking services include both checking and savings accounts tailored to fit your lifestyle. Imagine easily accessing your funds while earning interest on your savings! We also offer Auto Loans & Vehicle Financing, making it simple for you to drive away in the car of your dreams without the stress of complicated financing. If home ownership is on your mind, our Mortgage Loans & Refinancing options are designed with you in mind. Picture yourself enjoying lower monthly payments or tapping into your home's equity through refinancing options that could help fund other important life goals.

Stay Connected

Need assistance? Don't hesitate to reach out! You can contact us at (310) 643-3364 during our operating hours: Monday - Friday from 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM. We're here to answer any questions and guide you through our services. At Kinecta, we are dedicated to making banking easy and accessible for everyone in Lakewood and beyond. Explore all that we have to offer by visiting us at Lakewood or check out our website for more information at https://www.kinecta.org/. Join us today and experience the difference!

Digital & Online Banking

Key Features of Our Digital Banking Services

With just a few clicks on our website at https://www.kinecta.org/, you can take advantage of a variety of user-friendly features. Want to check your account balance? Need to transfer funds? It's all possible with our easy-to-use online banking interface. We also offer electronic signature authorization, making it simple for you to sign documents securely without having to visit a branch. Going paperless has never been easier! With e-statements available, you can keep track of your financial activity while reducing clutter. Plus, if you're always on the move, our mobile application ensures that you have full control over your banking right from your smartphone. And yes, we support mobile payments too allowing you to make purchases quickly and securely.

Security and Accessibility

Your security is our top priority. We employ advanced security measures so that you can bank with confidence knowing your information is protected. Our system is designed for easy navigation, making it accessible for everyone regardless of their tech-savvy level. Need to send money to friends or family? Our person-to-person transfer feature makes sharing funds hassle-free and instant. You can manage all these transactions in real-time, ensuring that you're always updated on your financial status. In short, at Kinecta, we are committed to providing modern banking solutions that fit into your lifestyle seamlessly. Embrace the ease of digital banking today!

Financial Strength

A Committed Team

We take pride in having 673 full-time employees and 22 part-time employees, ensuring that our branches are always ready to assist you with knowledgeable support. This dedicated team is committed to helping you navigate your financial journey smoothly.

Focused on Members

Unlike traditional banks that often prioritize shareholders, we focus on you our members. With non-member deposits at $0, our resources are dedicated to benefiting you through better loan rates and exclusive perks.

Growing Member Base

We have a strong member base with a total of 464,147 share accounts, showcasing the trust placed in us by the community. This trust drives us to continually enhance our offerings and member experience. 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 4055 Hardwick St Lakewood Ca 90712 or call 310-643-3364 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.*

Investing Back into the Community

Our commitment to our members is reflected in our $455,130,523 in undivided earnings, which we reinvest into innovative banking tools and stronger lending options to serve you better. Additionally, with $5,730,695,616 in total loans and leases available across various sectors including $19,331 in used auto loans we support your financial goals effectively.

Operational Efficiency

Our operational efficiency is highlighted by our current net income of $0, indicating that we are focused on maintaining an efficient cost structure while providing valuable services to our members without burdening them with unnecessary fees.

Secure Savings Options

Your savings are secure at Kinecta, as evidenced by our $1,929,331,277 in share certificates and $216,076,605 in money market shares. These options not only safeguard your money but also provide stable and rewarding growth opportunities tailored for our members.

Solid Financial Foundation

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 Services

In addition to these offerings, we provide refinancing options for many of our loan products. If you're interested in exploring eligibility criteria or learning more about how we can assist you financially, don't hesitate to reach out! Feel free to contact us at 310-643-3364 or visit us at 4055 Hardwick St Lakewood Ca 90712 during our operating hours: Monday - Friday: 9:00 am - 6:00 pm; Saturday: 9:00 am - 2:00 pm; Sunday: Closed. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Kinecta be your partner in achieving your financial aspirations!

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, our auto loan options make it easy and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve an existing one, our team is ready to assist you with tailored solutions that fit your business needs.

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. We believe that owning your own home is an important step toward financial security and we're here to guide you every step of the way.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. 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. These credit cards come with various benefits that suit your spending habits and lifestyle.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are looking at credible options when considering their borrowing needs.

Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans