Kinecta Rochester NY Credit Union | Affordable Auto Loans & Mortgage Rates

Introduction

Welcome to Kinecta, your trusted financial partner located at 1560 W Ridge Rd, Rochester, NY 14615. Established in 1940, our credit union has been dedicated to serving the community with a focus on member satisfaction and financial well-being. With over 251,834 members and total assets of an impressive $6,748,872,512, we are committed to providing a range of services designed to meet your needs. At Kinecta, we take pride in our strong community ties and a deep understanding of our members' financial goals. Whether you're looking for personal banking options like checking accounts or auto loans, or business services such as merchant financing, we've got you covered. Our team is here to support you every step of the way. With a total deposit base of $206,113,615 and cash reserves totaling $42,846,216, we ensure that your finances are secure with us. Our net worth stands at $551,264,425, reflecting our stability and commitment to serving you better. While members can visit us at our branch for personalized service during operating hours from Monday to Friday (9:00 AM - 5:00 PM) and Saturday (9:00 AM - 1:00 PM), official correspondence should be sent to the same address for convenience. Under the leadership of CEO Keith Sultemeier and Board President Jeffry Yonemura, we foster an environment where every member's voice is heard. Our team of 695 employees is dedicated to ensuring you have access to top-notch financial resources tailored just for you. Explore more about what we offer by visiting our website at www.kinecta.org. If you have questions or need assistance, feel free to call us at 585-512-1300. Join us today and experience the Kinecta difference!

Branch History & Mission

Community Commitment

Kinecta takes pride in its community involvement. We actively engage in outreach programs designed to support local initiatives and partnerships that uplift our neighbors. By providing educational workshops and financial literacy resources, we aim to equip our members with knowledge that can lead to better financial decisions. We also recognize the importance of digital advancements in today's banking world. That's why we offer features like online banking, mobile payments, and e-statements for enhanced convenience. Additionally, our commitment to accessibility ensures that all members can easily access our services.

Join Us

As we continue to grow and evolve as a community-focused credit union, we invite you to join Kinecta. Experience firsthand how we put our members first by providing tailored solutions that meet your unique needs. Visit us or explore more about becoming a member through our website at Kinecta. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet profound: to empower our members with the financial tools and resources they need to achieve their goals while fostering strong community ties. We believe that banking should not only be about transactions but also about building relationships and enhancing lives. This philosophy drives us to offer a range of personal banking solutions including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and rewarding credit card options. While members can visit us at our main branch address for all their banking needs, official correspondence should be sent to the same mailing address: 1560 W Ridge Rd, Rochester, NY 14615.

Branch Location & Accessibility

Welcome to Kinecta, your friendly neighborhood credit union located at 1560 W Ridge Rd in beautiful Rochester, NY! We're proud to serve the Monroe County community and provide a range of financial services designed to meet your needs. Our branch is conveniently situated near popular local spots, making it easy for you to stop by while running errands or enjoying a day out. At our branch, accessibility is a top priority. We offer plenty of parking spaces right outside, and our facilities are ADA compliant, ensuring that everyone can comfortably access our services. Whether you're visiting us for personal banking, auto loans, or any other financial needs, you'll find our team ready to assist you with a smile. Our operating hours are designed with your convenience in mind. You can visit us Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 1:00 PM. While we are closed on Sundays, our ATM is available around the clock for your cash withdrawal needs. While members can visit us at 1560 W Ridge Rd, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 585-512-1300. We also offer shared service center access for partner credit union members, ensuring that you have more options when it comes to managing your finances. We invite you to come see how Kinecta can help you achieve your financial goals!

Member Eligibility

Becoming a member of Kinecta is like joining a caring community where your financial well-being is our top priority. If you're looking to make the switch, we welcome anyone who lives, works, or worships in the area to apply. Whether you're seeking personal banking solutions or looking for support with loans and credit options, you'll find that our membership provides you with unique advantages tailored just for you. For detailed eligibility criteria and to ensure you meet the requirements, feel free to check out our page at https://kinecta.myori.com/app/oao/membership . When you're ready to open an account, the process is straightforward; simply visit us online at https://securebanking.kinecta.org/registration or give us a call at (585) 512-1300. We're excited to help you start your journey with us at Kinecta, located at 1560 W Ridge Rd Rochester Ny 14615!

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. Imagine having the funds to purchase new equipment or expand your location. That's what our commercial loans can do for you. They're not just numbers; they represent real opportunities for growth.

Merchant Services Tailored for You

In addition to loans, we offer merchant services that make transactions easier for your business. Picture this: your customers can pay via credit card or mobile payments seamlessly at checkout, thanks to our reliable payment processing solutions. This convenience not only enhances customer satisfaction but also helps streamline your operations. Located at 1560 W Ridge Rd Rochester Ny 14615, Rochester, NY, we're here to empower local businesses with the financial tools they need to succeed. Visit us today or call (585) 512-1300 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small businesses, Kinecta offers tailored business banking services including merchant services and business loans. We understand the challenges of running a business, and our team is here to support you with the financial tools necessary for growth.

Community-Focused Convenience

We believe in making banking convenient for everyone. That's why we also provide basic shared branch transactions for partner credit union members. This means you can easily deposit or withdraw money even if you're away from your home branch. Additionally, our commitment to modern banking includes user-friendly features such as person-to-person payment options. You can send money to friends or family without hassle all from the comfort of your smartphone.

Credit Cards with Rewards

Don't forget about our credit cards with rewards! These cards are perfect for everyday purchases while earning points that can be redeemed for exciting rewards.

Get Started Today!

Ready to take advantage of all that Kinecta has to offer? Give us a call at (585) 512-1300 or visit us during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Let us help you navigate your financial journey with ease and confidence! For more information on how to open an account or become a member, visit us at https://www.kinecta.org/ today!

Personal Banking Services

Managing your finances should be simple and accessible. That's why we offer personal banking services like checking and savings accounts designed to fit your lifestyle. Imagine having the convenience of online and mobile banking at your fingertips, allowing you to check balances, transfer funds, and pay bills anytime, anywhere. Our ATM services make cash withdrawals easy, ensuring you have access to your money when you need it. If you're thinking about purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing options can help get you on the road quickly and affordably. We also provide mortgage loans and refinancing solutions that make homeownership a reality for many members. For those facing unexpected expenses or looking to consolidate debt, our personal loans can offer the financial relief you need.

Digital & Online Banking

Key Services

With our 24/7 online banking services, managing your accounts has never been easier. You can check your balances, transfer money, and pay bills from the comfort of your home or while on the go. Our user-friendly platform ensures that you have real-time access to your financial information, allowing you to stay in control of your spending. We also offer E-Statements, so you can receive your account statements electronically. This not only saves paper but also gives you quicker access to important documents. Plus, with electronic signature authorization, signing documents is a breeze, eliminating the need for printing and mailing.

Mobile Banking Features

For those who prefer mobile banking, our mobile application is perfect for managing your accounts on the go. Whether you're making person-to-person transfers or utilizing our mobile payments feature, you can complete transactions swiftly and securely right from your smartphone. Our commitment to security means that you can bank with confidence. We employ advanced encryption technologies to keep your personal information safe while ensuring a smooth user experience. At Kinecta, we strive to make banking accessible and straightforward. Explore our digital banking options today at https://www.kinecta.org/ and discover how we can help simplify your financial life!

Financial Strength

Growing Member Base

We have built a strong community with a total of 464,147 share accounts. This shows the trust our members place in us to manage their finances effectively. 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 1560 W Ridge Rd Rochester Ny 14615 or call (585) 512-1300 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operations reflect efficiency with a $0 that allows 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.

Reinvestment for Member Benefits

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 $5,730,695,616 in total loans and leases.

Secure Savings Options

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.

Strong 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 Financing Options

For business owners seeking growth opportunities, our outstanding commercial loans totaling $779,447,626 provide the capital needed to expand operations or invest in new projects. If you're considering refinancing any of these options or want to learn about eligibility requirements, our team is ready to assist you with personalized advice and guidance tailored to 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. Feel free to reach out to us at (585) 512-1300, or visit us at our branch located at 1560 W Ridge Rd Rochester Ny 14615 during our operating hours: Monday - Friday: 9:00 am - 5:00 pm; Saturday: 9:00 am - 1:00 pm; Sunday: Closed. Let us help you navigate your financing journey!

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 understand how important it is to find the right vehicle at the right price, and our team is here to guide you through the process.

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 flexible terms to help you secure the home of your dreams.

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 cards can be an excellent tool for building credit while enjoying rewards and benefits tailored to your spending habits.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, which promotes trust and clarity in the decision-making process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the real-world impact of using a reliable comparison tool. 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.

How LendMesh Ensures 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 commitment to using verified sources ensures that users receive fair and transparent offers tailored to their needs.

KINECTA FEDERAL CREDIT UNION

Type of Loan Offerings

Personal Loans