Kinecta Manhattan Beach CA Credit Union | Quick Personal Loans & Rewards Cards

Introduction

Welcome to Kinecta, your trusted financial partner located at 1120 N Sepulveda Blvd, Manhattan Beach, CA 90266. Since our establishment in 1940, we've proudly served our community with a commitment to member satisfaction and financial empowerment. With a robust membership of 251,834 and total assets exceeding $6.7 billion, we are well-equipped to help you achieve your financial goals. At Kinecta, we believe in more than just banking; we strive to make a positive impact on the lives of our members and the community around us. Our dedicated team, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, works tirelessly to provide personalized services tailored to your needs. We offer an extensive range of products including checking and savings accounts, auto loans, mortgage options, and business banking services designed to support both individuals and businesses. Whether you need assistance with a personal loan or are looking for advice on managing your finances, we're here for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 1120 N Sepulveda Blvd, Manhattan Beach, CA 90266-5954. With total deposits reaching $206 million and a net worth of $551 million, we ensure that your funds are secure while providing competitive rates on loans and savings products. Plus, our cash reserves stand strong at $42 million, reflecting our stability as a financial institution. We invite you to experience the Kinecta difference firsthand. Visit us during our convenient hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM or give us a call at 310-643-2055. Let's work together towards a brighter financial future! For more information about our services or to explore membership options, please visit our website at Kinecta.org.

Branch History & Mission

At Kinecta, our journey began in 1940, a year that marked the start of a rich legacy in serving the community of Manhattan Beach, CA. Over the decades, we have evolved from a small credit union into a trusted financial institution that now boasts over 251,000 members and total assets exceeding $6.7 billion. Our branch is located at 1120 N Sepulveda Blvd, Manhattan Beach, CA 90266, a welcoming spot where community members can easily access our services. Kinecta has always been more than just a place to manage finances. Our mission is to empower individuals and families with the tools they need to achieve their financial goals. We provide essential services like checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions all designed with our members' best interests in mind. Our commitment to community support goes beyond financial offerings. We actively engage in outreach efforts to enhance the lives of those around us. From financial education programs to partnerships with local organizations, we strive to make a positive impact on the community we serve. As times have changed, so have we. Today, we embrace modern technology to ensure convenience for our members. With services such as online and mobile banking available at your fingertips, managing your money has never been easier. Our ATM availability provides additional access for cash withdrawals and balance checks whenever you need it. While members can visit us at 1120 N Sepulveda Blvd, official correspondence should be sent to 1120 N Sepulveda Blvd, Manhattan Beach, CA 90266-5954 if necessary. Our operating hours are Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We invite you to join Kinecta and experience firsthand how we can help you navigate your financial journey while being an active part of our vibrant community. With our dedicated team ready to assist you and a range of services tailored to meet your needs, becoming a member means more than just having a bank; it's about being part of something bigger. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important. Our branch is designed with features that ensure everyone can comfortably access our services. There are plenty of parking spaces available right outside the building, so you won't have to worry about finding a spot when you visit us. Additionally, our facility complies with ADA standards, ensuring ease of movement for all members.

Operating Hours

At Kinecta, we value your time. Our lobby hours are from 9:00 AM to 6:00 PM on weekdays and from 9:00 AM to 2:00 PM on Saturdays. We're closed on Sundays so our team can recharge and come back ready to assist you during the week. Feel free to give us a call at 310-643-2055 if you have any questions or need assistance with your account.

Services Offered

We offer a wide range of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we're equipped to help you make informed decisions about your finances. While we don't have a drive-thru service at this location, we do provide ATM access for quick withdrawals and balance checks. Kinecta takes pride in being part of the Manhattan Beach community. Our friendly staff is always eager to help you navigate your financial journey. So why wait? Come by today or call us to learn more about how we can assist you!

Member Eligibility

Becoming a member of Kinecta is like joining a friendly neighborhood where your financial well-being is our top priority. We welcome anyone who lives, works, worships, or attends school in the vibrant communities around us. This means that if you're part of our local area, we'd love to have you on board! At Kinecta, not only will you gain access to a wide range of financial products and services tailored to your needs, but you'll also become part of a community that truly cares about your financial journey. To get started on your membership, just visit us at 1120 N Sepulveda Blvd Manhattan Beach Ca 90266, or give us a call at (310) 643-2055 for more information. If you're eager to dive into the details, check out our eligibility criteria at https://kinecta.myori.com/app/oao/membership. Opening an account is easy too! You can begin the process online by visiting https://securebanking.kinecta.org/registration. Join us today and experience the benefits of being part of the Kinecta family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the capital to seize new opportunities or expand your operations. 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

In today's fast-paced world, efficient payment processing is essential. Our merchant services provide reliable solutions that help you manage transactions smoothly. Picture this: a busy Saturday at your store with customers eager to pay. With our services, you can accept payments effortlessly, allowing you to focus on what matters most serving your customers. Explore how Kinecta can empower your business journey at our branch located at 1120 N Sepulveda Blvd Manhattan Beach Ca 90266, Manhattan Beach, CA. Let's work together to turn your vision into reality!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our convenient ATM services ensure you have access to your funds whenever you need them whether it's withdrawing cash or checking balances. At Kinecta, we prioritize making banking simple and accessible for everyone in our community. With friendly staff ready to assist at every turn and modern digital features designed for ease of use, we're committed to enhancing your banking experience. Ready to take the next step? Contact us at (310) 643-2055 or visit us at 1120 N Sepulveda Blvd Manhattan Beach Ca 90266 during our operating hours: Monday - Friday from 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM. Let's work together towards achieving your financial dreams!

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are here to make that dream a reality. We work with you to find financing solutions that suit your budget, making it easier than ever to drive off in your ideal vehicle.

Business Banking Solutions

If you're a business owner, our business banking services will help streamline your operations. From merchant services that simplify transactions to business loans that empower growth, we provide tools that can help your business thrive.

Credit Cards with Rewards

We understand that everyday purchases can add up quickly. That's why our credit cards with rewards are designed not just for convenience but also for earning benefits on what you already buy. It's like getting something back every time you shop!

Home Financing

For those looking to buy or refinance a home, our mortgage loans are crafted with competitive rates and flexible terms. Picture yourself settling into a new home without the stress of complicated financing our team is here every step of the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services so you can manage your accounts anywhere, anytime. With features like person-to-person payments and mobile payments, accessing your money has never been easier.

Personal Banking

When it comes to personal banking, we offer a variety of options tailored to fit your lifestyle. Our checking and savings accounts are structured to help you save while enjoying easy access to your funds. Imagine having a place where your money not only stays safe but also grows over time our savings accounts do just that. If you need a little extra help managing expenses or tackling debt, our personal loans and debt consolidation services can provide the support you need.

Digital & Online Banking

Access Your Statements Anytime

Say goodbye to paper clutter! With e-statements available, you'll have access to your financial statements online whenever you need them. This not only saves trees but also keeps your information organized and easily accessible. In summary, Kinecta is committed to providing modern banking solutions that fit your lifestyle. Explore all our digital banking features today by visiting https://www.kinecta.org/ and experience how we make banking simpler for you!

Convenient Mobile Application

For members who prefer to manage their accounts on the go, our mobile application offers a user-friendly experience packed with features. Whether you're making payments or checking your e-statements, it's all streamlined for your convenience. Plus, with mobile payments enabled, paying at stores has never been easier just tap and go!

Secure Transactions Anytime

We prioritize your security. With electronic signature authorization available, you can complete transactions confidently from home or wherever you are. Need to send money to a friend? Our person-to-person transfer feature lets you send funds quickly and securely without hassle.

User-Friendly Online Banking

With our 24/7 online banking services available at https://www.kinecta.org/, you can check your account balances, view transaction history, and transfer funds whenever it suits you. No more waiting in lines or rushing to the bank before closing hours. Everything you need is just a few clicks away!

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. We are proud to share insights into our financial strength, which ensures we can support you with confidence in every transaction. Sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, our latest results reflect a robust 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. 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. In addition to our strong capital position, we have $455,130,523 in undivided earnings that allow us to reinvest in innovative banking tools and stronger lending options to serve you 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. Our operational 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. With a total of 464,147 share accounts, we demonstrate 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 1120 N Sepulveda Blvd Manhattan Beach Ca 90266 or call (310) 643-2055 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in a new or used vehicle, our financing options make it easier than ever to drive away with your ideal car.

Business Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans total $779,447,626. These loans are designed to meet the unique needs of businesses within our community. We also provide refinancing options and eligibility assessments for all our loan products. If you're considering consolidating debt or exploring new financing avenues, reach out to us for more information on how we can assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. For further inquiries or assistance in applying for a loan, feel free to contact us at 310-643-2055 during our operating hours: Monday - Friday from 9:00 AM - 6:00 PM and Saturday from 9:00 AM - 2:00 PM. Let Kinecta help you take the next step towards achieving your financial dreams!

Credit Lines and Credit Cards

For those looking for flexibility in managing expenses, we offer various credit lines totaling $2,195,866,169. Additionally, our unsecured credit card loans amounting to $115,997,560 help members handle everyday purchases with ease. With flexible terms available on these products, managing your finances has never been easier.

Mortgage Options

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183, making buying or refinancing simple and straightforward. We're here to guide you through the process with competitive rates and friendly service.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you receive is both accurate and reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is purely on providing unbiased results so you can make informed choices without hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, you will have all the necessary information at your fingertips to choose the best deal for your needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback underscores the effectiveness of LendMesh in delivering valuable insights to borrowers. 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