Kinecta Manhattan Beach CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Kinecta Federal Credit Union, your trusted financial partner located at 1440 Rosecrans Ave, Manhattan Beach, CA 90266. Established in 1940, we've proudly served our community for over eight decades, helping members like you achieve their financial goals. With a strong commitment to our members, we have grown to support a thriving community of 251,834 members and have amassed total assets exceeding $6.7 billion. At Kinecta, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Currently, we hold a total of $206 million in deposits, demonstrating our solid foundation and the trust our members place in us. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to the same address: 1440 Rosecrans Ave, Manhattan Beach, CA 90266. If you have questions or need assistance, don't hesitate to call us at 310-536-5825. Our dedicated team is here to help you navigate your financial decisions with confidence. Under the leadership of CEO Keith Sultemeier and Board President Jeffry Yonemura, we are more than just a credit union; we are a community committed to fostering financial wellness and supporting local initiatives. We believe that when our members thrive, so does our entire community. Explore what we can do for you by visiting our website at kinecta.org. Whether you're looking to open an account or learn about loan options, we're here to guide you every step of the way. Join us today and see how Kinecta can help make your financial dreams a reality!

Branch History & Mission

Kinecta Federal Credit Union has a rich legacy of serving the community since it first opened its doors in 1940. Located at 1440 Rosecrans Ave, Manhattan Beach, CA 90266, our branch has grown alongside its members, evolving to meet their needs and aspirations. Over the years, Kinecta has transformed into a financial institution that is proud to serve over 251,834 members, with total assets reaching an impressive $6,748,872,512. At Kinecta, our mission goes beyond just providing financial services; we are dedicated to fostering a sense of community and support among our members. We believe that everyone deserves access to quality financial products that can help them achieve their dreams. Whether it's through personal banking solutions like checking and savings accounts or loans for vehicles and homes, we strive to empower individuals and families in our area. Our commitment to the community is reflected in our partnerships and outreach programs aimed at enhancing the lives of those around us. We actively participate in local events and initiatives that promote financial literacy and wellbeing. With modern conveniences such as online banking and mobile payments available 24 hours a day, we ensure that members have easy access to their accounts whenever they need it. While members can visit us at our branch location for all their banking needs including drive-thru services for quick transactions official correspondence should be sent to our mailing address at 1440 Rosecrans Ave, Manhattan Beach, CA 90266 if different. Our friendly team is always here to assist you during lobby hours from Monday to Friday, 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. At Kinecta Federal Credit Union, we take pride in being more than just a financial institution; we are your partner in achieving financial success. Join us today and experience the benefits of membership with Kinecta. Together, let's build a brighter future! For more information or to become a member, visit kinecta.org. You can also reach us at (310) 536-5825 for any questions or assistance you may need.

Branch Location & Accessibility

Convenient Access

At Kinecta, we prioritize accessibility for all members. Our branch features ADA-compliant facilities, ensuring everyone can easily access our services. With ample parking available right outside, visiting us is hassle-free. If you're on the go, take advantage of our drive-thru banking service for quick deposits and withdrawals without having to leave your vehicle.

Operating Hours

We understand that life can get busy! That's why we offer flexible operating hours to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We're closed on Sundays, but our ATM services are available around the clock for your convenience.

Services Offered

Kinecta provides a variety of financial services designed to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also have credit cards with rewards, business banking solutions, and online/mobile banking features for easy management of your finances. While members can visit us at 1440 Rosecrans Ave, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, feel free to call us at 310-536-5825.

Visit Us Today!

We invite you to drop by and experience firsthand how Kinecta can help you achieve your financial goals. Whether you're looking for a new loan or just need some banking assistance, our friendly team is here to help. Come see us today!

Member Eligibility

At Kinecta, we believe that everyone deserves a place to belong, and becoming a member is your first step into our welcoming community. If you live, work, worship, or attend school in the vibrant area around 1440 Rosecrans Ave Manhattan Beach Ca 90266, you're likely eligible to join us! Our membership is designed to be inclusive, ensuring that individuals from all walks of life can take advantage of our friendly services. To check the specific eligibility criteria and see if you qualify, please visit this page for detailed information. Joining Kinecta comes with fantastic benefits, including access to personalized financial services, competitive loan rates, and a team that genuinely cares about your financial well-being. Opening an account is straightforward and convenient; you can start the process online by visiting this link. If you have any questions or need assistance along the way, don't hesitate to call us at (310) 536-5825. We're here to help you every step of the way!

Business Banking & Commercial Services

Member 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. From purchasing equipment to managing cash flow, we're here to provide the financial support you need.

Merchant Services

Beyond loans, our merchant services offer practical tools to help your business thrive. We provide payment processing solutions that simplify transactions and enhance customer experiences. Whether you run a retail store or an online shop, our services can help you manage payments efficiently and securely. For personalized assistance and more information about how our business banking solutions can work for you, visit us at 1440 Rosecrans Ave, Manhattan Beach, CA 90266, or call us at 310-536-5825. Let's grow together!

Non-Member Commercial Loans

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. This means that even if you're not a member yet, there are opportunities for you to access valuable resources.

Outstanding Commercial Loans

With an outstanding commercial loan portfolio of $779,447,626, we continue to drive economic growth by financing new and expanding businesses. Imagine what your business could achieve with the right funding!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? Our Auto Loans & Vehicle Financing options make it easy to hit the road in style. With competitive rates and flexible terms, we help you find financing that works for your budget. Plus, you can complete the entire application process from the comfort of your home.

Business Banking

For entrepreneurs and small business owners, we provide comprehensive Business Banking solutions including merchant services and business loans. Our goal is to support your growth by offering financial products designed specifically for businesses like yours.

Credit Cards with Rewards

With our Credit Cards with Rewards, spending becomes rewarding! Earn points on everyday purchases that can be redeemed for travel, merchandise, or cash back. It's a fantastic way to make your money work harder for you while enjoying the perks of membership.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize our Online & Mobile Banking services. You can easily check balances, transfer funds, and pay bills all from your smartphone or computer. Need cash? Our ATMs are available for quick withdrawals and balance checks whenever you need them.

Drive-Thru and ATM Services

Sometimes you just want a quick transaction without leaving your vehicle. Our Basic Drive-Thru Banking service offers deposits, withdrawals, and simple transactions without stepping inside the branch. For even more convenience, our ATMs are accessible for quick cash withdrawals or balance inquiries at any time. At Kinecta, we strive to make banking as easy and accessible as possible for all our members. If you're looking for personalized service from people who care about your financial well-being, contact us at (310) 536-5825 or visit us at 1440 Rosecrans Ave Manhattan Beach Ca 90266 today! Let's embark on this journey together toward achieving your financial goals.

Mortgage Loans & Refinancing

For those ready to purchase their first home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide expert guidance every step of the way. Picture yourself settling into a home that truly reflects your lifestyle while knowing you secured the best possible rate.

Personal Banking

Whether you're just starting out or looking to expand your financial portfolio, our Personal Banking services have you covered. Open a checking or savings account with us, and enjoy features designed for everyday banking needs. Imagine having easy access to your money through online and mobile banking, allowing you to manage your accounts anytime, anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans can give you the financial relief you need. We offer straightforward terms that empower you to regain control over your finances without added stress.

Digital & Online Banking

Key Features

Our online banking services include electronic signature authorization, so you can sign documents securely without the hassle of printing and scanning. We also offer e-statements for easy tracking of your transactions no more cluttered mailboxes! If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it simple and fast. Security is our top priority. All transactions are protected with advanced security measures, ensuring that your personal information remains safe. You can trust that we take every step necessary to safeguard your data while providing a user-friendly experience. Additionally, our mobile payments feature allows you to make purchases directly from your phone. This means no more fumbling for cash or cards you can pay in seconds! In summary, with Kinecta's digital and online banking options, managing your money is not just easier; it's also secure and accessible whenever you need it. Join us today and experience the benefits of modern banking at your fingertips!

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.

Member-Centric Savings Options

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.

Operational Efficiency

Our commitment to efficiency is reflected in our $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.

Solid Financial Position

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.

Trustworthy Member Base

Total Share and Deposit Accounts: 464,147, showing a strong and growing member base that trusts us with their finances. This trust allows us to maintain the resources necessary for lending while supporting the community effectively. 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 1440 Rosecrans Ave Manhattan Beach Ca 90266 or call (310) 536-5825 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

Additional Loan Options

For business owners looking for capital to grow and expand, our outstanding commercial loans total $779,447,626, providing the necessary funding to invest in your business's future. Additionally, our total credit lines amount to $2,195,866,169, giving you access to funds when you need them most. At Kinecta located at 1440 Rosecrans Ave, Manhattan Beach CA 90266, we're committed to offering personalized service and support throughout your loan journey. For any inquiries or assistance with your loan application, feel free to reach out to us at 310-536-5825. 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 us help you find the right loan product that fits your needs today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans, helping our members get on the road safely and affordably. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to guide you through the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183. We make it simple to buy or refinance your home so you can enjoy peace of mind knowing your investment is secure. If you're considering refinancing your current mortgage, we can help you explore eligibility options to find the best solution for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $115,997,560 in loans available to help our members manage their finances effectively. These cards come with benefits designed to support your spending needs while providing the freedom and flexibility you deserve.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help consumers make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means you can trust that the information provided is based on the latest results from legitimate financial institutions (Source: https://www.ncua.gov). This commitment to accuracy guarantees that users receive fair and transparent offers. One of the standout features of LendMesh is its verified data. All loan offers come from reputable financial institutions, ensuring that users are presented with trustworthy options. Additionally, LendMesh does not prioritize lenders based on paid promotions; instead, it provides unbiased results to ensure that every user has access to the same level of information. The platform also offers real-time rate comparisons, which allows users to see up-to-date loan rates from multiple institutions and helps them make better financial choices. Thousands of users have already benefited from using LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback illustrates the impact LendMesh has had on helping consumers secure better financing options. If you're looking for an efficient way to compare loan offers, look no further than LendMesh. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans