Kinecta Torrance CA Credit Union | Best Auto Loans & Checking Accounts

Introduction

Welcome to Kinecta, your trusted financial partner located at 24580 Crenshaw Blvd, Torrance, CA 90505. Established in 1940, we have proudly served our community for over eight decades, fostering strong relationships built on trust and reliability. With a membership base of 251,834 members, we strive to provide personalized service that meets the unique needs of each individual. As a member-focused credit union, we understand that your financial goals are important. That's why we've worked hard to accumulate $6,748,872,512 in total assets and maintain a solid net worth of $551,264,425. We take pride in offering competitive rates on a range of financial products whether you're looking for auto loans, mortgages, or personal banking solutions. While members can visit us at our physical location in Torrance, official correspondence should be sent to the same address: 24580 Crenshaw Blvd, Torrance, CA 90505. Our team is dedicated to providing exceptional service with transparency and integrity. Led by our CEO Keith Sultemeier and Board President Jeffry Yonemura, our staff of 695 employees is here to assist you with your banking needs. We invite you to explore all that Kinecta has to offer! With total deposits amounting to $206,113,615 and total loans reaching 114,346, we are well-equipped to support your financial journey. Whether you need help navigating your options or simply want advice from our experts, don't hesitate to reach out. Feel free to give us a call at 310-530-1362 or visit our website at Kinecta.org for more information. We look forward to serving you!

Branch History & Mission

Community Engagement

Kinecta values strong ties with local organizations and participates in various community outreach programs aimed at supporting education and financial literacy. Our partnerships help us give back to Torrance and enrich lives beyond just banking services. As we look ahead, we're excited about leveraging technology to make banking easier for everyone. From online banking options to mobile payments, we're committed to being at the forefront of digital advancements while ensuring ADA compliance so that all our members can benefit from our services. We invite you to join us at Kinecta where your financial goals are our priority. Experience firsthand how we can help you achieve your dreams while contributing positively to our vibrant community. For more information or to become a member today, visit Kinecta.org or call us at 310-530-1362. Together, let's build a brighter financial future!

Our Mission

At Kinecta, our mission is clear: we are dedicated to improving the financial well-being of our members and enhancing their quality of life. We believe that when our members succeed, so does our community. This philosophy drives us to offer personalized service and innovative solutions tailored to each member's unique needs. Whether you're looking for straightforward checking accounts or comprehensive loan options, we aim to empower our members on their financial journeys. While members can visit us at our Torrance branch location at 24580 Crenshaw Blvd., official correspondence should be sent to the same address as we have no separate mailing location. Our operating hours are convenient for busy schedules: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We also proudly provide ATM access for added convenience.

Branch Location & Accessibility

Easy Access and Convenience

At Kinecta, we prioritize your convenience. Our branch offers ample parking and is designed with accessibility in mind, featuring ADA-compliant ramps for easy access. If you're looking for a quick cash withdrawal or balance check, rest assured that our ATM is available for your use. While members can visit us at 24580 Crenshaw Blvd, official correspondence should be sent to the same address for consistency.

Let's Connect!

We invite you to come by and see how Kinecta can help you achieve your financial goals. Feel free to give us a call at 310-530-1362 if you have any questions before visiting. We look forward to welcoming you into our branch!

Services Tailored for You

At Kinecta, we offer a variety of services tailored just for you, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our dedicated staff is always ready to assist you with any questions or support you may need.

Welcoming Operating Hours

We understand that life gets busy! That's why our doors are open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We are closed on Sundays, giving our team a well-deserved break while ensuring you have plenty of time during the week to meet your banking needs.

Member Eligibility

At Kinecta, we believe that everyone deserves to be part of a welcoming and supportive community. Becoming a member is simple and fulfilling, and it opens the door to a range of financial products and services designed just for you. If you live, work, or go to school in the areas we serve, you're likely eligible to join us! We also welcome family members of existing members, making it easy for loved ones to benefit from all we have to offer. For the most current eligibility details, feel free to check out our dedicated page at https://kinecta.myori.com/app/oao/membership. Joining Kinecta means gaining access to personalized banking solutions that prioritize your needs. From competitive rates on loans to rewarding savings accounts, we are here to help you achieve your financial goals. Ready to take the next step? Opening an account is a breeze; just visit us online at https://securebanking.kinecta.org/registration, or give us a call at (310) 530-1362 if you have any questions. We can't wait for you to join our family at Kinecta, located at 24580 Crenshaw Blvd Torrance Ca 90505!

Business Banking & Commercial Services

Commercial Loan Options

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 addition to loans, we offer merchant services that simplify payment processing for your business. Imagine a busy Saturday at your café; with our services, customers can quickly pay using cards or mobile payments, allowing you to serve more patrons without delay. This convenience not only enhances customer satisfaction but also boosts your bottom line. Located at 24580 Crenshaw Blvd Torrance Ca 90505, Torrance, CA, we're here to help you navigate the financial landscape and provide the tools necessary for success. Reach out today at (310) 530-1362 to learn how we can assist you in achieving your business goals!

Comprehensive List Of Services

Business Banking

Running a business comes with its own set of challenges. Our Business Banking services include Merchant Services and Business Loans tailored to support entrepreneurs like you. We aim to empower local businesses by providing reliable financial solutions.

Credit Options

To add value to your everyday purchases, consider our Credit Cards with Rewards program. With each purchase, you earn points that can be redeemed for exciting rewards making shopping even more rewarding!

Digital Banking Features

In today's fast-paced world, having access to your finances on the go is essential. That's why we offer robust Online & Mobile Banking features. You can easily check balances, transfer funds, and pay bills from your smartphone or computer anytime you need ensuring that you stay connected with your money wherever you are. Additionally, our ATM & Cash Withdrawal Services allow for easy access to cash when you need it most. We also provide Basic ATM Access for withdrawals and balance checks so you can manage your accounts without any hassle.

Join Us Today!

At Kinecta, we believe in building lasting relationships with our members through exceptional service and support. If you're ready to explore how we can assist you further or if you have questions about any of our services, don't hesitate to reach out! Call us at (310) 530-1362, visit us at our branch in Torrance, CA, or check out more details on our website at Torrance Skypark. Your financial journey starts here!

Personal Banking

We understand that managing your personal finances can be overwhelming. That's why we offer Personal Banking services that include both Checking and Savings Accounts. These accounts provide you with flexibility and control over your money, making it easier to save for what matters most. If you're considering buying a car, our Auto Loans & Vehicle Financing options can help get you behind the wheel without breaking the bank. With competitive rates and flexible terms, financing your next vehicle is straightforward and hassle-free. Homeownership is a dream for many, and our Mortgage Loans & Refinancing services are designed to make that dream a reality. Whether you're buying your first home or refinancing an existing mortgage for better rates, we provide personalized assistance every step of the way. For those looking to consolidate debt or finance unexpected expenses, our Personal Loans & Debt Consolidation solutions can help simplify your payments and reduce stress.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer funds with just a few clicks. You can enjoy the benefits of e-statements, which provide a secure and environmentally friendly way to keep track of your financial activity. Plus, if you need to sign documents quickly, our electronic signature authorization feature makes it hassle-free. For those who are always on the go, our mobile application brings banking right to your fingertips. Whether you want to make person-to-person transfers or set up mobile payments, managing your money has never been simpler. You can easily send money to friends or family without needing cash or checks.

Security and Accessibility

We prioritize your safety with robust security measures that protect your personal information while ensuring ease of use. Our digital banking services are designed not only for accessibility but also for peace of mind. You can manage your accounts in real-time, giving you complete control over your finances. Embrace the future of banking with us at Kinecta. Discover how our digital and online banking services can enhance your banking experience today! For more information and to get started, visit us at https://www.kinecta.org/.

Financial Strength

Member Savings Secured

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 $0 net income reflects our operational efficiency during challenging times while still enabling us to offer 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 and committed team.

Reinvestment for Growth

With $455,130,523 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $5,730,695,616 in total loans and leases. This includes $19,331 in used auto loans demonstrating our commitment to helping you finance your dreams.

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.

Trusted Partnership

Total Share Accounts stand at 464,147, showing a strong and growing member base that trusts us with their finances. With $0 net shares, our focus remains on creating value for you rather than seeking profit margins. 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 24580 Crenshaw Blvd Torrance Ca 90505 or call 310-530-1362 to learn more about how we can help you achieve your financial goals.

Loan Offering

At Kinecta, we understand that everyone has unique financial needs, whether you're purchasing a vehicle, buying your first home, or managing everyday expenses. Our diverse range of loan products is designed to help you achieve your goals with ease and confidence. With over 114346 loans issued, we've helped thousands of members achieve their financial goals. If you're in the market for a new vehicle, our auto loans offer some of the lowest rates in the industry. We've already provided $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans to help members get on the road smoothly. Are you thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183, making buying or refinancing straightforward and accessible. We also cater to business owners with outstanding commercial loans totaling $779,447,626, providing the capital needed to grow and expand. In addition to these offerings, we provide flexible terms on unsecured credit card loans. With a total of $115,997,560 in unsecured credit card loans issued, we aim to help our members manage their finances effectively. If you're considering refinancing or looking for eligibility options, our team is here to assist you every step of the way. Whether it's a personal loan for debt consolidation or financing for a new project, we're committed to finding the right solution tailored just for you. For more information or to discuss your loan options further, please don't hesitate to reach out! You can contact us at 310-530-1362 or visit us at our branch located at 24580 Crenshaw Blvd Torrance CA 90505. 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 financial success!

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Kinecta

Type of Loan Offerings

Home Equity Loans