Kinecta Tustin CA Credit Union | Top Business Banking & Auto Loans

Introduction

Welcome to Kinecta, your trusted financial partner located at 2324 Park Ave, Tustin, CA 92782. Established in 1940, our credit union has been dedicated to serving our community with integrity and care for over eight decades. With a strong membership base of 251,834 and total assets exceeding $6.7 billion, we pride ourselves on offering personalized banking solutions tailored to meet your unique needs. At Kinecta, we understand that financial decisions are important and often personal. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage options, and credit cards that reward you for your loyalty. Our commitment to excellence is reflected in our solid net worth of $551,264,425 and total deposits reaching $206,113,615. We also maintain an impressive cash reserve of $42,846,216, ensuring that we can meet your needs when it matters most. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 2324 Park Ave, Tustin, CA 92782. Our dedicated team of 695 employees, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, is here to assist you during our lobby hours from Monday to Friday, 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Join us at Kinecta as we continue building financial futures together. Whether you're looking to open an account or simply have questions about our services, feel free to give us a call at 714-259-1354 or visit our website at www.kinecta.org. Your journey towards better banking starts here!

Branch History & Mission

Kinecta has a rich history rooted in community values and dedicated service since it opened its doors in 1940. Located at 2324 Park Ave, Tustin, CA, this branch has grown alongside its members, providing financial solutions tailored to their needs. Over the decades, Kinecta has transformed into a trusted partner for many, now boasting a total membership of over 251,834 and assets exceeding $6.7 billion. From the beginning, our mission has been clear: to empower individuals and families by offering accessible financial services while also contributing positively to the communities we serve. We strive to create an environment where every member feels valued and supported in their financial journey. Whether you are seeking personal banking options like checking accounts or auto loans, or looking for business banking solutions, Kinecta is here to help. As we continue to expand our services, we have embraced digital advancements to enhance member experience. Our online and mobile banking platforms allow for easy access to accounts anytime, anywhere. With features like electronic signatures and e-statements, managing finances has never been more convenient. We also ensure our facilities meet ADA compliance standards so that everyone can access our services comfortably. Community support remains at the heart of what we do. Kinecta actively engages in local outreach efforts and partnerships that uplift those around us. Whether it's through financial literacy programs or charitable initiatives, we believe in giving back to the community that supports us. While members can visit us at 2324 Park Ave for all their banking needs, official correspondence should be sent to the same address. Our friendly team is available 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) to assist with any questions or concerns. Join us at Kinecta today! Experience how we can help you achieve your financial goals while being part of a community-focused credit union that cares about your success. For more information or to become a member, call us at 714-259-1354 or visit our website at kinecta.org.

Branch Location & Accessibility

Welcome to Kinecta, your trusted credit union conveniently located at 2324 Park Ave in Tustin, CA. Nestled in the heart of Orange County, our branch is easily accessible and situated near popular landmarks, making your visit smooth and hassle-free. Whether you're heading to nearby parks or shopping areas, stopping by for your banking needs is a breeze. At our Tustin branch, we prioritize your convenience. You'll find ample parking available, ensuring you have a stress-free experience from the moment you arrive. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to accommodate all members of our community. We understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Our friendly team is here to assist you with a variety of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and more. For those on the go, we also provide ATM services right at our branch for quick cash withdrawals and balance checks. While we don't have a drive-thru service at this location, our dedicated staff is always ready to help you inside. If you need to send us any official correspondence, please note that it should be directed to the same address: 2324 Park Ave, Tustin, CA 92782. Feel free to give us a call at 714-259-1354 if you have any questions or need assistance before visiting. We look forward to welcoming you at Kinecta!

Member Eligibility

At Kinecta, we're thrilled to welcome you into our community! Becoming a member is a simple and rewarding experience, designed for anyone who lives, works, worships, or attends school in the areas we serve. Whether you're looking for personal banking solutions, auto loans, or just a supportive financial partner, we have something for everyone. Our eligibility criteria are straightforward; you can check the full details at https://kinecta.myori.com/app/oao/membership to see how easily you can join us. Opening an account at Kinecta is just as easy! With our friendly team ready to assist you, you can start your journey toward better financial health in no time. To get started, visit us at our branch located at 2324 Park Ave Tustin Ca 92782 or give us a call at (714) 259-1354. We're here to help you every step of the way! For more information on account opening procedures, feel free to explore https://securebanking.kinecta.org/registration. Join us today and experience the benefits of being part of a member-focused credit union!

Business Banking & Commercial Services

Business 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 being able to accept payments seamlessly from customers using various methods, all while tracking transactions effortlessly. Our services empower you to focus on what matters most growing your business. Visit us at 2324 Park Ave Tustin Ca 92782 in Tustin, CA or call us at (714) 259-1354 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking

If you're running a business, we've got you covered there too! Our Business Banking services include essential offerings like Merchant Services and Business Loans, aimed at helping you grow and manage your company effectively.

Connect with Us

We're always here to support you in achieving your financial goals. Whether you're visiting us at Kinecta, calling us at (714) 259-1354, or browsing online at our website, we encourage you to reach out with any questions or concerns. Join us today and discover how our comprehensive list of services can make a difference in your financial life!

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why we offer robust Online & Mobile Banking features that let you handle your banking tasks anytime, anywhere. With easy access to your accounts through our mobile app or website, managing your finances has never been easier. You can perform tasks such as checking balances, transferring funds, and even making person-to-person payments right from your smartphone. Additionally, our ATM & Cash Withdrawal Services ensure that you have quick access to cash when needed. Basic ATM access allows for withdrawals and balance checks without any hassle.

Personal Banking

We offer various personal banking services that cater to all your daily financial needs. Start by exploring our Checking & Savings Accounts, perfect for managing your everyday expenses while earning interest on your savings. If you're considering purchasing a car or need financing for another vehicle, our Auto Loans & Vehicle Financing options are both competitive and straightforward. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services are designed to make the process as simple as possible. We understand that life can throw challenges your way, which is why we also provide Personal Loans & Debt Consolidation options to help you regain control of your finances. Don't forget about our Credit Cards with Rewards, allowing you to earn points on your purchases while enjoying benefits like cashback or travel rewards.

Digital & Online Banking

Accessibility and Security

Our person-to-person transfer service lets you send money to friends and family with ease, ensuring that splitting bills or sending gifts is hassle-free. And if you're someone who loves having round-the-clock access to their finances, our 24/7 online banking services mean you can check your account anytime day or night. We prioritize your security as much as your convenience. Our online banking platform is designed with robust security measures to protect your personal information while providing a user-friendly experience. In short, Kinecta combines accessibility and security in its digital banking offerings so that managing your finances becomes a simple part of your daily routine. Explore all these features today by visiting us at https://www.kinecta.org/!

Key Features

One of the standout features is our mobile application, which allows you to manage your accounts right from your smartphone. Whether you're checking your balance, transferring funds, or paying bills, everything is just a tap away. Plus, with our mobile payments feature, you can make transactions quickly and securely without needing cash or cards. For those who prefer the convenience of electronic documents, we offer e-statements that allow you to view your account statements digitally. Not only does this help in reducing paper clutter, but it also ensures that you have quick access to your financial information whenever you need it. And if you ever need to sign documents electronically, we've got you covered with electronic signature authorization making paperwork easier and faster.

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 dedicated to ensuring that your money is safe and that you have access to the services you need to achieve your financial goals. 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 lending capacity supports members' financial goals across various sectors with $19,331 in used auto loans and an impressive total of $5,730,695,616 in loans and leases available. Our operational efficiency is reflected in our $0 net income, 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 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 2324 Park Ave Tustin Ca 92782 or call 714-259-1354 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

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 purchasing a brand-new model or a reliable used vehicle, we provide financing options that make it easy and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand. We're dedicated to supporting local businesses and helping them thrive in today's competitive market. No matter what financial path you choose, our team is here to assist you every step of the way. Feel free to reach out to us at (714) 259-1354, or visit us at our branch located at 2324 Park Ave Tustin Ca 92782 in Tustin, CA. Let's work together towards your financial success! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 also provide various refinancing options to help you secure better terms on your existing mortgage.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. Enjoy the freedom of having cash available for emergencies or unexpected costs without tying up your savings.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers presented are fair and transparent. By working exclusively with reputable lenders, LendMesh guarantees that users receive legitimate and competitive loan options.

Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans