Kinecta Westchester CA Credit Union | Top Mortgage Rates & Business Loans

Introduction

Welcome to Kinecta, where our commitment to serving the community is at the heart of everything we do. Located at 8601 Lincoln Blvd Ste 130, Westchester, CA 90045, our branch has been a trusted financial partner since 1940. With over 251,000 members benefiting from our services, we pride ourselves on being more than just a credit union; we are a community-focused organization dedicated to helping you achieve your financial goals. At Kinecta, we manage an impressive $6.7 billion in assets and have provided more than 114,000 loans to our members. Our financial strength is reflected in our $206 million in total deposits and a net worth of $551 million, ensuring that your money is safe and secure with us. We also hold a healthy cash reserve of $42 million, allowing us to support both personal and business needs effectively. Our leadership team, led by CEO Keith Sultemeier and Board President Jeffry Yonemura, embodies our dedication to exceptional service and community involvement. With a workforce of approximately 695 employees, we are always here to assist you with personalized service that makes banking convenient and accessible. While members can visit us at our Westchester location, official correspondence should be sent to the same address: 8601 Lincoln Blvd Ste 130, Westchester, CA 90045. Feel free to reach out by phone at 310-410-9672 or explore our website at kinecta.org for more information about our services. Join us today and experience how Kinecta can make a positive impact on your financial journey!

Branch History & Mission

Commitment to Innovation

In today's world, convenience matters. That's why we've embraced digital advancements like online banking and mobile payments, ensuring you can manage your finances anytime and anywhere. We also maintain ADA compliance so that all members can access our services comfortably. Our branch is equipped with an ATM for easy cash access, but please note we do not offer drive-thru banking or shared service centers at this location.

Join Us

As we look toward the future, Kinecta remains committed to enhancing member experiences and expanding community support initiatives. We invite you to become part of our growing family experience personalized banking that truly puts you first. Visit us at our branch or check out more about becoming a member here. Together, let's build a brighter financial future!

Our Mission

At Kinecta, our mission is simple yet powerful: we aim to empower our members with accessible financial resources while supporting our local community. We believe that financial well-being should be within reach for everyone. That's why we offer a variety of services designed to help you achieve your goals whether it's buying your first car or securing a mortgage for your dream home. We strive to create an inclusive environment where everyone feels valued and supported. Our team is dedicated to providing personalized service that meets your unique needs. We also prioritize community involvement through outreach programs and partnerships that enhance the lives of those around us. While members can visit us at 8601 Lincoln Blvd Ste 130, official correspondence should be sent to the same address as it serves as both our branch and mailing location. Our operating hours are convenient: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM.

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can access our services comfortably. If you drive to visit us, rest assured that we offer ample parking space nearby for your convenience.

Connect With Us

Have questions or want to learn more? Don't hesitate to reach out! You can give us a call at (310) 410-9672 or stop by during our operating hours. We look forward to welcoming you into our Kinecta family!

Operating Hours

Our doors are open Monday through Friday from 9:00 AM to 6:00 PM and on Saturday from 9:00 AM to 2:00 PM. We are closed on Sundays, but we're here during the week to assist you with everything from opening new accounts to discussing loan options.

Services Offered

At Kinecta, we offer a wide array of services tailored to meet your needs, including personal banking accounts, auto loans, mortgage options, and business banking solutions. Need cash? Our ATM is readily available for quick withdrawals and balance checks. While members can visit us at 8601 Lincoln Blvd Ste 130 Westchester Ca 90045, official correspondence should be sent to the same address: 8601 Lincoln Blvd Ste 130, Westchester, CA 90045.

Member Eligibility

At Kinecta, we believe that everyone deserves a chance to belong to a community that supports their financial journey. Becoming a member is simple and welcoming if you live, work, or worship in the areas we serve, you're likely eligible! We are here for individuals and families who want to take charge of their finances with personal banking solutions tailored just for them. Not only will you gain access to a wide range of services, but you'll also enjoy the warmth and support of our dedicated team at Kinecta. To get started on your membership journey, check out our eligibility criteria at https://kinecta.myori.com/app/oao/membership. Once you see that you're eligible, opening an account is a breeze! You can easily complete the process online by visiting https://securebanking.kinecta.org/registration, or feel free to give us a call at (310) 410-9672 if you have any questions. We can't wait to welcome you into our Kinecta family at 8601 Lincoln Blvd Ste 130 Westchester Ca 90045!

Business Banking & Commercial Services

Commercial Loans That Fuel 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. Whether you're looking to purchase equipment, expand your operations, or manage cash flow, our loans provide flexible options that can adapt to your needs.

Merchant Services That Simplify Transactions

In today's fast-paced world, having reliable merchant services is key. Imagine being able to process payments effortlessly while focusing on what you do best growing your business. Our merchant services help streamline transactions, making it easier for you to serve customers effectively. Located at 8601 Lincoln Blvd Ste 130 Westchester Ca 90045 in Westchester, CA, we're here to support your ambitions and provide the resources you need. Contact us at (310) 410-9672 or visit us online at https://www.kinecta.org/ to learn more about how we can partner in your success!

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer specialized Business Banking services including merchant services and business loans. Whether you need capital for expansion or tools for managing transactions smoothly, we have solutions tailored for your enterprise.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why at Kinecta, we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere. You can easily check balances, transfer funds, and even make person-to-person payments all from the palm of your hand. Additionally, our ATM services ensure that cash withdrawals are simple and accessible whenever you need them.

Credit Options

When it comes to managing purchases, our Credit Cards with Rewards allow you to earn points on everyday spending, making it easier for you to enjoy rewards like cash back or travel perks.

Get Started Today!

Located at 8601 Lincoln Blvd Ste 130, Westchester, CA 90045, we invite you to visit us or call us at 310-410-9672 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. Join us at Kinecta today and experience the difference that comprehensive service can make in your financial life! For more information about opening an account or exploring membership eligibility, please visit our website.

Personal Banking Solutions

For those who want to manage their finances effectively, our Personal Banking options include checking and savings accounts that cater to your everyday needs. Imagine having easy access to your funds while earning interest on your savings our accounts are designed with you in mind. If you're considering a new car, our Auto Loans & Vehicle Financing can help you get behind the wheel without breaking the bank. Looking to buy a home? Our Mortgage Loans & Refinancing services provide competitive rates and flexible terms to make home ownership more accessible than ever. You can also explore our Personal Loans & Debt Consolidation options if you're looking for ways to simplify payments or tackle unexpected expenses.

Digital & Online Banking

Always Available and Secure

We believe that banking should be available whenever you need it. That's why we offer 24/7 online banking services that let you check balances, transfer funds, and pay bills at any time. Your security is our priority; we utilize advanced encryption technology to ensure that your information remains safe. At Kinecta, we strive to make managing your finances as easy as possible. Whether you're checking in on your accounts or making quick payments from your phone, our digital and online banking services provide the flexibility and security you deserve. Join us today and experience a smarter way to bank!

Key Services for Your Convenience

With our user-friendly online banking platform, accessible at https://www.kinecta.org/, you can manage your accounts anytime, anywhere. You'll enjoy features like electronic signature authorization, which simplifies document signing and speeds up transactions. Plus, say goodbye to paper clutter! With e-statements available, you can easily access your financial documents online while keeping everything organized. For those who prefer mobile banking, our dedicated mobile application makes it easy to handle everyday banking tasks right from your smartphone. Need to make a payment? Our mobile payments feature lets you pay bills or send money quickly and securely. Also, our person-to-person transfer option allows you to send funds to friends or family without any hassle.

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 pride ourselves on maintaining a solid financial foundation that supports your banking needs now and in the future. 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. Additionally, with $19,331 in used auto loans and $5,730,695,616 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $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, 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 8601 Lincoln Blvd Ste 130 Westchester Ca 90045 or call (310) 410-9672 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. We provide flexible terms and competitive rates that make it easier for you to drive away with the vehicle you want.

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 the challenges entrepreneurs face and are committed to supporting local businesses. If you're interested in exploring refinancing options or checking your eligibility for any of these loan products, feel free to reach out. You can contact us at 310-410-9672 during our operating hours: Monday - Friday from 9:00 am - 6:00 pm and Saturday from 9:00 am - 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. At Kinecta, we're dedicated to providing personalized service and solutions tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183. We aim to make buying or refinancing simple and straightforward. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

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. These credit cards come with rewards and benefits that can help you save while making everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping borrowers find the best possible rates. 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.*

Ensuring Accurate 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 are fair and transparent. By focusing on verified lenders, LendMesh guarantees that you receive accurate information tailored to your needs.

Kinecta

Type of Loan Offerings

Home Equity Loans

Vehicle Loans