Kinecta Torrance CA Credit Union | Best Auto Loans & Rewards Cards

Introduction

Welcome to Kinecta, your trusted partner in financial wellness, located at 3635 Pacific Coast Hwy, Torrance, CA 90505. Established in 1940, Kinecta has been committed to serving our community with integrity and dedication for over eight decades. We proudly support 251,834 members and manage a robust portfolio of assets totaling $6,748,872,512. At Kinecta, we understand that financial needs vary from person to person. That's why we offer a diverse range of services, including personal banking solutions like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. Our team is here to guide you through every step of your financial journey. While members can visit us at our branch on the Pacific Coast Highway, official correspondence should be sent to the same address: 3635 Pacific Coast Hwy, Torrance, CA 90505-6013. You can reach us at 310-643-3334 or send a fax to 310-727-8220. Under the leadership of CEO Keith Sultemeier and Board President Jeffry Yonemura, our dedicated staff of 695 employees works tirelessly to ensure that you receive exceptional service tailored to your needs. With total deposits of $206,113,615 and total loans amounting to 114,346, we're well-equipped to help you achieve your financial goals. Join us as we continue to make a positive impact in the lives of our members and the community. Whether you're looking for competitive loan rates or reliable banking options, Kinecta is here for you. Visit our website at kinecta.org to learn more about how we can assist you today!

Branch History & Mission

Community Engagement

Kinecta is proud to engage with the community through various outreach programs and partnerships aimed at making a positive impact. Whether it's supporting local schools or participating in charity events, we are dedicated to giving back to the neighborhoods we serve. While members can visit us at 3635 Pacific Coast Hwy for all their banking needs, official correspondence should be sent to the same address for consistency. Feel free to reach out at 310-643-3334 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM.

Join Us Today!

We invite you to become part of the Kinecta family! Experience firsthand the benefits of being a member of a credit union that truly cares about your financial well-being and community involvement. Visit us online at Kinecta.org or stop by our branch today!

Our Evolution

Kinecta's journey has been marked by key milestones that reflect our commitment to innovation and community support. From the very beginning, our mission has centered on providing accessible financial services while uplifting those around us. We understand that our members are the heart of what we do, and we strive to meet their needs through personal banking solutions, auto loans, mortgages, credit cards with rewards, and business banking options. Our headquarters are located in Manhattan Beach, just a short drive away from our branch in Torrance. This proximity allows us to maintain strong connections with our local communities while expanding our reach across California.

Our Mission

At Kinecta, our mission is simple yet profound: we exist to help our members achieve their financial goals while fostering a supportive community environment. We believe in empowering individuals and families through sound financial education and personalized service. Our team is committed to ensuring that everyone feels valued and understood because your success is our success. In addition to providing traditional banking services, we also focus on digital advancements to make banking easier for you. With online banking and mobile app access available, managing your finances has never been simpler. We also prioritize accessibility by ensuring compliance with ADA standards so all members can fully benefit from our services.

Branch Location & Accessibility

Call Us Today!

Have questions or want to learn more about what we offer? Don't hesitate to give us a call at 310-643-3334. Our friendly staff is here to help you with any inquiries or assistance you may require. We invite you to visit Kinecta at our convenient location on Pacific Coast Hwy where your financial journey meets exceptional service!

Convenient Access and Parking

At Kinecta, we prioritize your convenience. Our branch offers ample parking, making it easy for you to pop in and handle your banking errands without any hassle. For those with mobility challenges, rest assured that we comply with ADA standards, featuring ramps and accessible entrances to ensure everyone can visit us comfortably.

Services That Fit Your Lifestyle

At Kinecta, we offer a variety of services tailored to meet your financial goals. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and even credit cards with rewards, we have something for everyone. Plus, our ATM is available on-site for quick withdrawals and balance checks whenever you need it!

Welcoming Hours for Your Banking Needs

We understand that life gets busy! That's why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 9:00 AM to 6:00 PM, and on Saturdays from 9:00 AM to 2:00 PM. We're closed on Sundays, but our team is ready to assist you during the week with any questions or services you may need.

Member Eligibility

Welcome to the wonderful world of Kinecta! Becoming a member here isn't just about opening an account; it's about joining a community that genuinely cares about your financial well-being. To be eligible for membership at Kinecta, you'll find that it's quite simple and welcoming. If you live, work, worship, or attend school in our service area, you're already on your way to becoming part of our family! Plus, family members of existing members can also join us. We invite you to explore all the unique benefits that come with being a member, from personalized service to competitive rates on loans and savings accounts. Ready to take the next step? Opening an account is straightforward! You can start your journey by visiting our membership eligibility page for more details on the criteria and how to apply. If you have questions or need assistance, don't hesitate to reach out at (310) 643-3334. Our team is here to guide you through every step of the process at our branch located at 3635 Pacific Coast Hwy Torrance Ca 90505. Join us today and experience the support and resources available exclusively for our members!

Business Banking & Commercial Services

Real-World Merchant Services

In addition to loans, we offer merchant services that simplify payment processing, making it easier for you to focus on your customers. Imagine a busy Saturday at your shop where every transaction is smooth, allowing you to serve more clients efficiently. Our services ensure that you have the tools you need for seamless transactions. Come visit us at 3635 Pacific Coast Hwy Torrance Ca 90505 in Torrance, CA, or contact us at (310) 643-3334 to discover how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, Kinecta provides essential business banking services including merchant services and business loans. We understand that every dollar counts in running a successful business, which is why we aim to support your ventures with tailored financial products.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking options ensure that managing your finances is simple and accessible. Whether it's checking your balance or transferring funds between accounts, we've made it easier than ever.

Credit Cards with Benefits

With our credit cards featuring rewards programs, you can earn points on everyday purchases. Picture yourself enjoying those rewards while making routine transactions it's a win-win!

Financing Your Dreams

When it comes to financing, we offer competitive auto loans and vehicle financing solutions that help you get behind the wheel of your dream car. Our mortgage loans and refinancing options provide the flexibility you need when purchasing or upgrading your home. Plus, if you're facing unexpected expenses or want to consolidate debt, our personal loans can offer you the financial relief you need.

Get in Touch

If you have questions about any of our services or want to learn more about how we can assist you on your financial journey, feel free to reach out at (310) 643-3334. We're here to help from Monday to Friday between 9:00 AM - 6:00 PM and on Saturdays from 9:00 AM - 2:00 PM. At Kinecta, we're not just about numbers; we're about relationships. Join us today and discover how we can work together towards achieving your financial goals! For more information, visit us at our website.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, Kinecta has you covered. Our personal banking options are designed with your everyday needs in mind. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to manage your accounts anytime, anywhere. You can also take advantage of our ATM services for quick cash withdrawals and balance checks without any hassle.

Digital & Online Banking

Always Available

With 24/7 online banking services available at Kinecta, your finances are always within reach. You can manage everything from deposits to transfers anytime, anywhere. This flexibility is ideal for busy individuals looking for efficient ways to handle their banking needs. Join us today and experience how Kinecta's digital banking services can simplify your life!

Key Features

With just a few clicks, you can take advantage of our convenient online banking services at https://www.kinecta.org/. Our platform allows you to check balances, pay bills, and transfer funds without ever stepping foot in a branch. Plus, with the availability of electronic statements, you can easily keep track of your financial activity while helping the environment by opting for paperless transactions. For those who prefer mobile banking, our user-friendly mobile application makes it simple to manage your finances right from your smartphone. You can also enjoy the benefits of mobile payments, allowing you to make purchases quickly and securely.

Security and Convenience

Security is a top priority at Kinecta. We utilize electronic signature authorization for added protection when signing documents online. This means you can feel confident knowing your personal information is safe while enjoying the ease of conducting business digitally. Additionally, our person-to-person transfer feature enables you to send money instantly to friends or family members without the hassle of cash or checks. Whether it's splitting a bill or paying back a friend, our online tools make these transactions quick and straightforward.

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 that our branch is built on a solid foundation of financial strength, ensuring that your money is safe and working hard for 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. 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. 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 commitment to lending is evident with $5,730,695,616 in total loans and leases available to support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling 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 and committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 464,147, showing 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 3635 Pacific Coast Hwy Torrance Ca 90505 or call 310-643-3334 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, with over $335,164,766 in used vehicle loans and $355,441,941 in new vehicle loans already helping members get on the road. We provide competitive financing options for both new and used vehicles, making it easier for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are committed to helping you find solutions that work for your specific needs.

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. Our credit cards come with various benefits designed to fit your lifestyle while providing easy access to funds when you need them.

Flexible Options

If you're interested in refinancing any of these products or checking eligibility options, our friendly staff at Kinecta is ready to assist you. We encourage you to reach out at 310-643-3334 or visit us at 3635 Pacific Coast Hwy, Torrance, CA 90505 during our operating hours: Monday - Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Take control of your financial future today with Kinecta!

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. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is here to guide you through every step of the process.

Loan Aggregator

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Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans