Kinecta Rochester NY Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Kinecta, your trusted partner in financial success! Located at 1425 Jefferson Rd, Rochester, NY 14623, our branch is dedicated to serving the community with a range of personal and business banking solutions. Since opening our doors in 1940, we have grown to support over 251,834 members, providing exceptional service and a strong sense of community. At Kinecta, we pride ourselves on our robust financial health, boasting total assets of $6,748,872,512 and total deposits amounting to $206,113,615. Our commitment to you extends beyond numbers; it's about building lasting relationships based on trust and mutual growth. Whether you're looking for auto loans, mortgage options, or credit cards with rewards, our dedicated team is here to guide you every step of the way. Led by CEO Keith Sultemeier and Board President Jeffry Yonemura, our team of 695 employees works tirelessly to ensure you receive personalized service tailored to your needs. We understand that every member's journey is unique, and we strive to provide solutions that fit your lifestyle. While members can visit us at our branch location for assistance or inquiries, official correspondence should be sent to the same address: 1425 Jefferson Rd, Rochester, NY 14623. We invite you to explore our services further by visiting our website at kinecta.org. Don't hesitate to reach out at (585) 613-0200 for any questions or to schedule an appointment. Together, let's achieve your financial goals!

Branch History & Mission

Join Us

As we continue on this journey together, we invite you to become part of the Kinecta family. Experience firsthand the benefits of membership whether it's accessing low-interest loans or utilizing our shared service center for added convenience. For more information about joining or our services, feel free to call us at 585-613-0200 or visit our website. Together, let's build a brighter future!

Mission Statement

At Kinecta, our mission is clear: we aim to empower individuals and strengthen communities through sound financial solutions. We believe that everyone deserves the opportunity for financial success. This belief drives us to offer not just competitive products but also educational resources that help our members make informed decisions. We are dedicated to giving back to the community that supports us. Through various outreach programs and partnerships with local organizations, we work hard to improve lives beyond just providing financial services. While you can visit us at 1425 Jefferson Rd for your banking needs, any official correspondence should be sent to the same address since it matches our mailing address.

Our Journey

Kinecta started with a vision to provide accessible financial services while uplifting our community. From humble beginnings, we've expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. We've also ventured into business banking to help local entrepreneurs thrive. Our commitment to innovation has led us to adopt digital advancements, ensuring that our members can manage their finances conveniently through online and mobile banking platforms. We prioritize accessibility and are proud to be ADA compliant, making our services available to all.

Branch Location & Accessibility

ATM Availability

Need cash on the go? We've got you covered with ATM availability right at our branch! You can enjoy quick withdrawals or balance checks anytime during our operating hours.

Getting Here and Parking

At our branch, you'll find ample parking available, ensuring that your visit is hassle-free. Plus, we're dedicated to accessibility for everyone. Our facilities are compliant with ADA standards, featuring ramps and accessible entrances to make your experience comfortable.

Operating Hours and Services

We invite you to visit us during our welcoming hours. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, and we also offer Saturday hours from 9:00 AM to 1:00 PM. On Sundays, we take a break to recharge! At Kinecta, we provide a wide range of services tailored for both personal and business banking. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or even credit cards with rewards our friendly staff is here to assist you. We also have shared service center capabilities for basic transactions if you're a member of a partner credit union.

Visit Us Today!

Whether you're a long-time member or considering joining us for the first time, we encourage you to stop by Kinecta at 1425 Jefferson Rd or give us a call at 585-613-0200. Let us help you reach your financial goals with ease and convenience!

Member Eligibility

At Kinecta, we're excited to welcome you into our community where members come first. Joining us is a simple and fulfilling process that opens the door to numerous benefits tailored for your financial needs. To be eligible for membership, you generally need to live, work, or worship in our local area, or have a family member who is already a member. We believe in inclusivity and support, making it easy for individuals from all walks of life to become part of our family. If you're curious about specific eligibility requirements or want to ensure you meet them, you can check out more details at https://kinecta.myori.com/app/oao/membership. When you're 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 (585) 613-0200 if you have any questions. Our friendly team is here to guide you through every step of the way. Located at 1425 Jefferson Rd Rochester Ny 14623, we can't wait to help you start your journey with us!

Business Banking & Commercial Services

Commercial Loans

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 comprehensive merchant services designed to simplify payment processing. Imagine effortlessly accepting card payments while managing your cash flow more effectively. Our tools not only enhance customer satisfaction but also provide real-time insights into your sales performance allowing you to make informed decisions for your business. Visit us at 1425 Jefferson Rd Rochester Ny 14623, Rochester, NY or give us a call at (585) 613-0200 to discover how we can support your business goals today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Accessing your funds should be hassle-free. With our ATM services available at various locations, including right here at our branch, withdrawing cash or checking balances is quick and easy.

Auto Loans & Vehicle Financing

Are you thinking about purchasing a new car? At Kinecta, we offer competitive auto loans and vehicle financing options that make buying your dream car more achievable. Our team is ready to guide you through the process, ensuring you get the best rate possible.

Business Banking

For business owners in our community, Kinecta provides essential banking services such as merchant services and business loans. We understand that running a business comes with its challenges, and we're here to support you every step of the way.

Credit Cards with Rewards

Our credit cards not only offer convenience but also come with rewards that can benefit you every time you shop. Whether you're earning points for travel or cashback on purchases, we have options that cater to various lifestyles.

Mortgage Loans & Refinancing

Owning a home is a significant milestone, and we want to help you achieve it with our mortgage loans. If you're considering refinancing, we provide flexible options tailored to fit your financial situation. Our knowledgeable staff will walk you through each step, helping you make informed decisions.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed for convenience and accessibility. Imagine having the ability to manage your finances effortlessly through online and mobile banking options. You can check balances, transfer funds, and pay bills from anywhere, making it easier than ever to stay on top of your financial goals.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans are here for you. With straightforward terms and competitive rates, we aim to ease your financial burdens so that you can focus on what matters most.

Shared Branch Transactions

If you're a member of partner credit unions, enjoy basic shared branch transactions like deposits and withdrawals without any extra fees. It's all about providing convenience wherever you are! We invite you to visit us at 1425 Jefferson Rd Rochester Ny 14623 or give us a call at (585) 613-0200 for more information about how our comprehensive services can assist you in achieving your financial goals. Together, let's build a brighter financial future!

Digital & Online Banking

At Kinecta, we understand that managing your finances should be easy and secure, which is why we offer a range of digital and online banking services tailored to meet your needs. With our 24/7 online banking services, you can access your accounts anytime, anywhere, making it simpler than ever to stay on top of your financial goals. Explore our online banking platform at https://www.kinecta.org/ to enjoy features designed with you in mind. Need to transfer money to a friend? Our person-to-person transfers make sending cash a breeze. Whether it's splitting a bill or sending a gift, this feature helps you manage your transactions seamlessly. For those who prefer managing their finances on the go, our mobile application is available for download, bringing all the banking services right to your fingertips. From checking your balance to making payments, everything is just a tap away. Plus, if you're interested in using mobile payments, we've got you covered there too! Enjoy the convenience of paying directly from your phone wherever you are. We prioritize your security with electronic signature authorization for important transactions, ensuring that your information remains safe while you bank online. You can also opt for e-statements to keep track of your account activity without the clutter of paper statements. This not only helps the environment but also keeps your records easily accessible. At Kinecta, we're committed to providing you with user-friendly solutions that fit into your lifestyle. Whether you're at home or out and about, managing your money has never been easier or more secure. Join us today and experience the benefits of digital banking that works for you!

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 strive to maintain a strong financial position that allows us to serve you with confidence, providing excellent rates and services tailored to your needs. 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 $5,730,695,616 in total loans and leases. Our operational efficiency is reflected in our $0 net income, allowing us to focus on 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. Total Share and Deposit Accounts stand at 464,147, showcasing 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 1425 Jefferson Rd Rochester Ny 14623 or call 585-613-0200 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 interest rates to ensure that you can drive away with a vehicle that suits your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $779,447,626 provide the capital needed to grow and expand your operations. We understand that running a business comes with its challenges; our tailored loan solutions can help you navigate those hurdles. Whether you're interested in refinancing existing debts or exploring eligibility options for any of our products, our team is here to assist 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. Feel free to reach out to us at 585-613-0200 during our lobby hours from Monday to Friday between 9:00 AM and 5:00 PM or Saturday from 9:00 AM to 1:00 PM for more information or to start your application process today!

Mortgage Options

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $353,306,183, ensuring that your journey towards owning a home is supported every step of the way.

Unsecured Credit Cards

Managing everyday expenses can sometimes feel overwhelming. That's why we offer flexible terms on unsecured credit card loans. With a total of $115,997,560 in loans helping our members manage their finances effectively, you can enjoy peace of mind knowing you have the support you need when unexpected costs arise.

Loan Aggregator

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Kinecta

Type of Loan Offerings

Home Equity Loans