Credit Unions

Credit Unions: A better place for you and your money.

A credit union is a financial cooperative – so if you are a member, you are also an owner. You reap the benefits of ownership in the form of better rates on deposits and loans, and outstanding personal service. While banks and other financial institutions exist to make money for their stockholders, credit unions exist solely to serve you – the member.
When compared to customers of banks or savings and loans, surveys show that credit union members are more satisfied with the service they receive from their credit union. As not-for-profit organizations, credit unions are able to operate at a lower cost, which allows them to offer competitive loan and savings rates.

Kinecta membership offers more.
South Bay's Best
In 2011, 2012, 2013 and 2014, Kinecta was proud and honored to be voted South Bay’s Best Credit Union by readers of the Daily Breeze newspaper in Torrance, Calif.

With more than $3.6 billion in assets and over 275,000 members, Kinecta Federal Credit Union stands out as one of the nation’s largest and most financially secure credit unions. That makes them big enough to offer a full range of financial services. Yet they’re also personal enough to be able to focus on each member’s individual needs. You’ll be delighted with their impeccable service, excellent products, competitive rates and convenient access.

Membership eligibility in Kinecta Federal Credit Union is one of the major benefits of Santa Monica Co-Op membership.

Better Savings & Loan Rates – Yes, Kinecta has money to lend!

  • Checking, Savings, Share Certificates, Money Market, Youth Accounts
  • Home Loans, Auto Loans, Credit Cards & Student Loans
  • Competitive rates & low fees


  • Free Online Banking & Bill Pay1
  • Direct Deposit
  • Free transactions at over 30,000 ATMs, including 2,500 participating 7-Eleven® stores2
  • Fee-free access to more than 5,000 branches nationwide2
  • Free Kinecta Phone access 24/7

And much more!

  • Auto & Homeowners Insurance3
  • Investment services4
  • Retirement planning4
  • FREE financial review

Join Kinecta today! Click here to apply online, stop by a Kinecta member service center or call 800.854.9846.

Click here for Kinecta locations or visit and click on Locations.

Maximize time, money and employee satisfaction with CU@Work!

The Kinecta CU@WORK program brings banking convenience and a full array of financial resources to the workplace. This exclusive program offers companies the opportunity to enhance their benefits package to attract and retain valued employees. It offers employees onsite access to financial fitness tools that help them save time…and save money. And it doesn’t cost employers one dime!

  • Enhanced employee benefits
  • No cost to company
  • Full range of financial products
  • Convenient onsite access
If your company or organization is interested in becoming a Kinecta CU@Work Partner, click here for information.



Contact us at for information on how your company can become a Community provider.