KINETIC FEDERAL CREDIT UNION

At Kinetic, we believe in building strong relationships with our community. Located at 3722 Us Highway 431 N, Phenix City, AL 36867, our branch has been serving members since 1956. With a total membership of 45,664 and assets exceeding $567 million, we are committed to providing personalized financial solutions tailored to meet your needs. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: PO Box 9818, Columbus, GA 31908-0818. Under the leadership of CEO Mark Littleton and Board President Willie Varner, Kinetic has cultivated a reputation for trust and reliability. Our dedicated team of 123 employees is here to assist you every step of the way, whether you're looking for personal banking services like checking and savings accounts or exploring options for auto loans and mortgage refinancing. With total deposits amounting to $62,835,348 and net worth standing at $83,306,529, our financial health reflects our commitment to you. We also maintain a robust cash position of $18,185,576, ensuring that we can meet your financial needs promptly. We invite you to explore what makes Kinetic unique. Visit us during our lobby hours from Monday to Friday between 9:30 a.m. and 5:00 p.m., or stop by on Saturday from 9:00 a.m. to 12 noon at our drive-thru for quick service. If you have any questions or need assistance, don't hesitate to call us at 706-320-8500. Let's work together towards a brighter financial future!

At Kinetic, we believe that becoming a member is like joining a family that truly cares about your financial journey. If you're looking to open an account with us, you'll be pleased to know that our membership is open to anyone who lives, works, worships, or attends school in the area. This means whether you're a local resident or just passing through, you can access our fantastic range of services designed just for you. To learn more about the specific eligibility criteria and see if you qualify, feel free to check out this link: Membership Eligibility. Getting started is easy! Simply visit us at 3722 Us Highway 431 N Phenix City Al 36867, or give us a call at (706) 320-8500 for any questions. We can't wait to welcome you into our community and help you take the next step toward achieving your financial goals. For those ready to open an account today, head over to Open Account for all the details on how to join. Your journey starts here!

At Kinetic, 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 understand that trust is built through transparency and reliability, which is why we are proud to share our financial strengths with you. With a net worth of $83,306,529, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1461 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 $129,059,161 in share certificates and $105,582,550 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 $70,240,507 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $7,851 in used auto loans and a total of $427,545,859 in loans and leases, supporting 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 121 full-time employees and 2 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): $5,557,299. Total Share Accounts: 82,034, showing a strong and growing member base that trusts us with their finances. We invite you to experience the benefits of being a member at Kinetic. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kinetic is your trusted partner. Visit us at 3722 Us Highway 431 N Phenix City AL 36867 or call us at 706-320-8500 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.

At Kinetic, we understand that financial needs can vary widely, whether you're looking to purchase a new vehicle, buy your first home, or manage expenses with a credit card. Our diverse loan products are designed to help you meet your goals efficiently and effectively. With over 27,037 loans issued, we've helped thousands of members achieve their financial goals. If you're thinking about buying a car, our auto loans offer some of the lowest rates in the industry. We have already issued over $177,773,461 in used vehicle loans and $128,951,657 in new vehicle loans to help members get on the road. For those interested in homeownership, our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,139,465, providing a solid pathway toward owning your dream home. Additionally, if you're looking for flexibility in managing your finances, consider our unsecured credit card loans. We provide total support with $15,426,579 in loans available to assist members in managing their everyday expenses. Business owners can also benefit from our outstanding commercial loans totaling $27,148,344, which are designed to provide the capital needed for growth and expansion. At Kinetic, we know that life is full of unexpected moments, and having the right financial support can make all the difference. That's why we also offer refinancing options to ensure that you can adapt your borrowing to fit your current situation. To learn more about our loan offerings or to discuss eligibility options, feel free to reach out at (706) 320-8500 or visit us at 3722 Us Highway 431 N Phenix City Al 36867, Phenix City, AL. You can also explore additional details on our website: https://www.kineticCU.com . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial aspirations!