KinectaSavings accountChecked Oct 10, 2026Updated
Kinecta Regular Share Accounts
2.50%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $250 after fees
- Monthly fee
- $5 a month
- To open
- $100 to open
- On our list
- #54 of 234 savings accounts, by a year’s value on $10,000
Visit KinectaThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 2.50% | $25 |
| $5,000 | 2.50% | $125 |
| $10,000 | 2.50% | $250 |
| $25,000 | 2.50% | $625 |
| $50,000 | 2.50% | $1,250 |
| $100,000 | 2.50% | $2,500 |
Rate conditions
- Interest compounds
- Dividends are compounded monthly.Source · checked Oct 10, 2026
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $250 Regular Share Account average monthly balance
- same primary owner age 18 or under
- first three months of new account
- Minimum to open
- $100Source · checked Oct 10, 2026
- Overdraft fee
- $30Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $30Source · checked Oct 10, 2026
- Overdraft transfer fee
- $4Source · checked Oct 10, 2026
- Most overdraft fees in a day
- 3Source · checked Oct 10, 2026
- Withdrawals a month
- 6Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $10Source · checked Oct 10, 2026
- ATM network
- Kinecta ATM and CO-OP Network ATMSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $1.50Source · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Incoming international wire
- $10Source · checked Oct 10, 2026
- Outgoing international wire
- $55Source · checked Oct 10, 2026
- Paper statements
- $2 a monthSource · checked Oct 10, 2026
- Early closure fee
- $5Source · checked Oct 10, 2026
- Cashier’s check
- $6Source · checked Oct 10, 2026
- Stop payment
- $20Source · checked Oct 10, 2026
- Card replacement
- $18Source · checked Oct 10, 2026
Who can open it
- Membership
- Membership required:Source · checked Oct 10, 2026
Features
CD auto renewInterest bearingOverdraft line of creditOverdraft protection transfer
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money