Kinecta Santa Monica CA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Kinecta, your trusted financial partner located at 3027 Wilshire Blvd, Santa Monica, CA 90403. Since our establishment in 1940, we have proudly served our community, providing reliable banking services that cater to your personal and business needs. With a total membership of 251,834 and assets totaling an impressive $6,748,872,512, we are committed to supporting you every step of the way. At Kinecta, we understand that financial decisions can be daunting. That's why our dedicated team, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, is here to help you navigate your options with confidence. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, we offer a range of services tailored to fit your lifestyle. Our branch is not just a place to bank; it's a hub for community engagement and support. We have funded over 114,346 loans and leases, ensuring that our members have access to the resources they need for their dreams and aspirations. Additionally, with total deposits amounting to $206,113,615, we maintain a solid foundation that reflects our commitment to your financial well-being. While you can visit us at our Santa Monica location for all your banking needs, please direct any official correspondence to the same address. Our friendly staff is ready to assist you from Monday to Friday from 9:00 AM to 6:00 PM and on Saturday from 9:00 AM to 2:00 PM. Ready to take the next step in your financial journey? Give us a call at 310-297-4350 or explore our website at kinecta.org for more information. Join us today and experience the Kinecta difference!

Branch History & Mission

Community Engagement

Kinecta takes pride in being more than just a bank; we are an active participant in community development. Our partnerships with local organizations allow us to support various outreach programs designed to uplift those in need. From educational workshops on budgeting and saving to participation in local events, we are committed to making a positive impact in Santa Monica.

Join Us

If you are looking for a financial institution that truly cares about your needs and goals, we invite you to join Kinecta. Experience the difference of being part of a credit union that puts its members first. Visit us at our branch or check out our website at kinecta.org for more information on how we can help you achieve your financial dreams!

Our Mission

At Kinecta, our mission is clear: we strive to empower our members by offering superior financial services while actively contributing to the well-being of our community. We believe that everyone deserves access to quality financial resources that help them achieve their goals. This mission drives us every day as we work to support not only individual needs but also broader community initiatives. Our branch operates with the belief that financial education and support can lead to improved lives. We are dedicated to making banking easy and accessible for everyone. Whether through online services or in-person assistance 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 we aim to be a reliable partner in our members' financial journeys.

Member Eligibility

Joining Kinecta is more than just opening an account; it's about becoming part of a welcoming community that truly cares about your financial well-being. Membership is open to anyone who lives, works, worships, or attends school in the areas we serve. This means if you're in the neighborhood or have connections here, you're likely eligible! Plus, being a member comes with fantastic benefits like personalized service and competitive rates that can help you reach your financial goals. To get started on your journey with us at Kinecta, simply visit our eligibility page for all the details on membership requirements: https://kinecta.myori.com/app/oao/membership. If you're ready to take the next step, opening an account is easy just follow this link: https://securebanking.kinecta.org/registration. If you have any questions or need assistance, feel free to give us a call at (310) 297-4350. We can't wait to welcome you to our family at Kinecta, located at 3027 Wilshire Blvd Santa Monica Ca 90403!

Business Banking & Commercial Services

Financing Your Growth

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 That Matter

Imagine being able to process payments seamlessly while focusing on what you do best running your business. Our merchant services provide the tools you need to accept payments effortlessly, whether you're at a storefront or on the go. This means more time serving customers and less time worrying about transactions. Located at 3027 Wilshire Blvd Santa Monica Ca 90403 in Santa Monica, CA, we're here to partner with you every step of the way. Let's work together to turn your business vision into reality!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we provide comprehensive business banking solutions, including merchant services and business loans. This means you can focus on growing your business while we take care of the financial side.

Embracing Digital Convenience

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From checking balances to transferring money with just a few taps on your phone, we've made banking easier than ever. Plus, our ATM services ensure that cash withdrawal is always within reach.

Get Started Today!

At Kinecta in Santa Monica, we're not just about transactions; we're about building relationships with our members. Our friendly team is ready to assist you with all your financial needs. Whether you want to chat about loan options or set up online banking, give us a call at 310-297-4350 or visit us at our branch. Explore all the ways we can support you financially today!

Personal Banking Solutions

When it comes to managing your money, having the right accounts is crucial. At our Santa Monica branch located at 3027 Wilshire Blvd, you can open checking and savings accounts designed to meet your everyday needs. Imagine having easy access to your funds while earning interest on your savings that's what our accounts offer. Need a vehicle? Our auto loans and vehicle financing options make purchasing or refinancing a breeze. With competitive rates and flexible terms, you can drive away with confidence. And if you're considering buying a home, explore our mortgage loans and refinancing services that simplify the process of owning your dream house.

Support for Your Financial Journey

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need. Picture this: consolidating multiple debts into one manageable payment, easing your monthly budget worries. We also offer credit cards with rewards perfect for those who enjoy earning perks on their everyday purchases. Whether it's cashback or travel points, we have options that can add value to your spending.

Digital & Online Banking

At Kinecta, we understand that banking should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With just a few clicks or taps, you can manage your finances from anywhere, anytime. One of the standout features is our 24/7 online banking service available at https://www.kinecta.org/. This means you can check your account balance, pay bills, and transfer funds whenever it suits you day or night! Our user-friendly interface makes it easy to navigate, so whether you're tech-savvy or just getting started, you'll feel right at home. For those times when you need to send money quickly, our person-to-person transfers feature allows you to send cash to friends or family in just moments. Plus, with our mobile payments option, making purchases has never been easier. You can use your smartphone for contactless payments at various retailers just tap and go! Security is a top priority for us. We provide electronic signature authorization, which ensures that your transactions are safe and verified. Additionally, you can opt for e-statements, allowing you to receive your bank statements electronically. This not only helps reduce paper clutter but also gives you quick access to important documents. And if you're always on the move, don't forget about our dedicated mobile application. It's packed with features that make banking simple and straightforward right from your phone. Whether you're checking balances or making deposits on the go, everything is designed with your convenience in mind. With all these tools at your disposal, managing your finances has never been more accessible or secure. Join us at Kinecta and experience the benefits of modern banking today!

Financial Strength

Committed Team

We 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 and committed team.

Growing Member Base

Our total share accounts stand at 464,147, showcasing a strong and growing member base that trusts us with their finances. This trust reinforces our mission to deliver exceptional service every day. 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 3027 Wilshire Blvd Santa Monica Ca 90403 or call 310-297-4350 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.

Member-Focused Savings

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 financial performance reflects our operational efficiency with a reported net income of $0 for the latest period. This positions us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment for 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 is robust; we have $19,331 in used auto loans and a total of $5,730,695,616 in loans and leases, supporting members' financial goals across various sectors.

Solid 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 Options

If you're considering refinancing or want to learn about eligibility options for any of our products, don't hesitate to ask our team for assistance. We're dedicated to ensuring you find the right fit for your financial situation. 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 trusted partner in navigating your financial journey. Visit us today!

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 flexible terms can help make it happen.

Business Loans

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand your business. We understand that every business is unique and are committed to finding solutions that work for you.

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 offer competitive rates and personalized service 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 can be an excellent option for those looking to consolidate debt or make purchases without having to secure collateral.

Loan Aggregator

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Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans