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Kinetic Credit Union

Overview
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Kinetic Credit Union is a federal credit union based in Columbus, Georgia. It has been opened since 1956, for 64 years.

With around $400,770,000 in assets, Kinetic Credit Union is considered to be a very large credit union. It has 9 branches and 9 ATM locations.

About
Address P.O. Box 9818
Columbus, Georgia 31908
Website http://kineticCU.com
Phone (706) 320-8500
Fax (706) 321-0850
CEO Mark A. Littleton
President of the Board Ronald Hinze
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
45,762 members
Membership type: Community credit union
Above average number of members
339:1
Credit union member to staff ratio
339 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$400,767,533
Total assets
Above average
9 branches
Compared with an average of 4 nationally and 4 in Georgia
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
6.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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9 branches
Compared with an average of 4 nationally and 4 in Georgia
Above average number of branches
Kinetic Credit Union Branch Locations

Kinetic Credit Union: South Lumpkin Service Center
1807 S. Lumpkin Road Suite D.
Columbus, Georgia 31903
ATM Available
Kinetic Credit Union: Macon Road Branch
2944 Macon Road
Columbus, Georgia 31906
ATM Available
Kinetic Credit Union: Ft. Benning Branch
6579 Eckel Avenue
Columbus, Georgia 31905
ATM Available
Kinetic Credit Union: Lakeside Village
6516 Kitten Lake Drive
Midland, Georgia 31820
ATM Available
Kinetic Credit Union: Express Service Center
4105 Buena Vista Road
Columbus, Georgia 31907
ATM Available
Kinetic Credit Union: North Branch
7300 Veterans Parkway
Columbus, Georgia 31909
ATM Available
Kinetic Credit Union: 13th Center Branch
1251 13th Street
Columbus, Georgia 31901
ATM Available
Kinetic Credit Union: Peachtree Branch
4811 Bankers Boulevard
Columbus, Georgia 31909
ATM Available
Kinetic Credit Union: 280 Branch
3722 US Highway 431 North
Phenix City, Alabama 36867
ATM Available
Members
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45,762 members
Membership type: Community credit union
Above average number of members

With 45,762 members, the Kinetic Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 90% of credit unions.

Fees
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$147
Average fee per member
The average fee per member at the Kinetic Credit Union is $147, which is very high compared to most credit unions. This rate is higher than 96% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Kinetic Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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339:1
Credit union member to staff ratio
339 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
135 staff members
FTE (full-time equivalent)
3% of employees are part-time
133 full-time, 4 part-time

Kinetic Credit Union has 133 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Kinetic Credit Union has around 339 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$400,767,533
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$11,824
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 63% of credit unions.

Kinetic Credit Union holds a total of $316,350,000 in loans and leases, which is about $11,824 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Kinetic Credit Union pays 0.20%.

Loan rates
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6.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.65%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.84%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.73%
New car loan rate
Compared to 4.0% nationally
7.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.58%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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