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6        <title>Kinecta - Mortgage Loan Programs | Home Equity | Refinancing Options</title>
7        <meta name="description" content="Discover more about our mortgage loan programs including home equity, refinancing options, 1st time homebuyers, and more.">
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71        <meta property="og:title" content="Kinecta - Mortgage Loan Programs | Home Equity | Refinancing Options">
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187<head>
188  <meta charset="UTF-8" />
189  <meta name="viewport" content="width=device-width, initial-scale=1.0" />
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215            <span class="android-app-banner-title">Kinecta Mobile Banking</span>
216            <span class="android-app-banner-subtitle">Kinecta Federal Credit Union</span>
217            <span class="android-app-banner-get">GET - On the Google Play Store</span>
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222    <a class="sr-only sr-only-focusable" href="#content" title="Skip to main content">Skip to main content</a>
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236                        <a href="/browser-support" title="Update Browser" class="learnMore">Update your Browser</a>
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244
245
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248
249
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262
263<nav class="utility-nav-dropdown" aria-label="Important Site Releated Links and Search">
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266                        <a href="https://kinecta.myori.com/app/oao/membership" aria-label="" title="Join Kinecta" data-redirect-message="" target="_self">Join Kinecta <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
267
268                    </li>
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271
272                            <ul class="tier3 dropdown">
273                                        <li class="tier3"><a href="/member-benefits" aria-label="" title="Member Benefits" data-redirect-message="" target="_self">Member Benefits</a></li>
274                                        <li class="tier3"><a href="/referral" aria-label="" title="Referrals" data-redirect-message="" target="_self">Referrals</a></li>
275                                        <li class="tier3"><a href="/community" aria-label="" title="Community Support" data-redirect-message="" target="_self">Community Support</a></li>
276                                        <li class="tier3"><a href="/Security" aria-label="" title="Security" data-redirect-message="" target="_self">Security</a></li>
277                                        <li class="tier3"><a href="/about-us/executive-staff" aria-label="" title="Executive Team" data-redirect-message="" target="_self">Executive Team</a></li>
278                                        <li class="tier3"><a href="/careers" aria-label="" title="Careers" data-redirect-message="" target="_self">Careers</a></li>
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282                        <a href="/locations" aria-label="" title="Locations" data-redirect-message="" target="_self">Locations <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
283
284                    </li>
285                    <li class="tier2 ">
286                        <a href="/rates" aria-label="" title="Rates" data-redirect-message="" target="_self">Rates <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
287
288                    </li>
289                    <li class="tier2 ">
290                        <a href="/Make-a-Payment" aria-label="" title="Make a Payment" data-redirect-message="" target="_self">Make a Payment <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
291
292                    </li>
293                    <li class="tier2 ">
294                        <a href="/contact-us" aria-label="" title="Contact" data-redirect-message="" target="_self">Contact <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
295
296                    </li>
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338            </li>
339            <li class=" showOnDesktop showOnMobile">
340                <a class="" href="/business" aria-label="" title="Business" data-redirect-message="" target="_self">Business</a>
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351            <li class=" hideOnDesktop hideOnMobile">
352                <a class="" href="/wealth-test" aria-label="" title="Wealth" data-redirect-message="" target="_self">Wealth</a>
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362            <div class="mobile-login-box">
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364
365
366<script>
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373<div class="login-box">
374    <ul>
375        <li class="login" style="">
376            <a href="" title="LOGIN" class="login-btn" data-redirect-message="">
377Log In  <i class="fas fa-chevron-down"></i> </a>
378
379            <div class="dropdown">
380
381                    <form name="mobileLogin" class="mobileLogin" action="https://securebanking.kinecta.org/Mobile/Authentication/Username" method="post" autocomplete="off" enctype="application/x-www-form-urlencoded" onsubmit="encode()">
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396                                            <svg id="mobileOpenedEyeToggle" class="mobileOpenedEyeToggle" width="20" height="14" viewBox="0 0 20 14" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_2857_985)"><path d="M9.99998 5.22021C10.84 5.22021 11.52 5.90021 11.52 6.75021C11.52 7.60021 10.84 8.28021 9.99998 8.28021C9.15998 8.28021 8.47998 7.60021 8.47998 6.75021C8.47998 5.90021 9.15998 5.22021 9.99998 5.22021ZM9.99998 3.22021C8.04998 3.22021 6.47998 4.80021 6.47998 6.75021C6.47998 8.70021 8.05998 10.2802 9.99998 10.2802C11.94 10.2802 13.52 8.70021 13.52 6.75021C13.52 4.80021 11.94 3.22021 9.99998 3.22021Z" fill="#888B8D" /><path d="M10 2C13.28 2 16.13 3.76 17.77 6.75C16.13 9.74 13.28 11.5 10 11.5C6.72 11.5 3.87 9.74 2.23 6.75C3.87 3.76 6.72 2 10 2ZM10 0C6 0 2 2.25 0 6.75C2 11.25 6 13.5 10 13.5C14 13.5 18 11.25 20 6.75C18 2.25 14 0 10 0Z" fill="#888B8D" /></g><defs><clipPath id="clip0_2857_985"><rect width="20" height="13.5" fill="white" /></clipPath></defs></svg>
397                                        </div>
398                                          <label for="mobilePassField" class="labelLoginPass">Password</label>
399                                    </div>
400                                </div>
401                            </div>
402                        </div>
403
404                        <div class="form-row">
405                            <div class="form-box">
406                                <div class="field">
407                                    <div>
408                                        <input id="mobileSubmit" type="submit" value="Log In" class="btn btn-tertiary">
409                                    </div>
410                                </div>
411                            </div>
412                        </div>
413
414                        <nav class="login-links">
415                            <ul>
416                                <li>Forgot&nbsp;<a href="https://securebanking.kinecta.org/ForgotUsername" title="Username">Username</a>&nbsp;or&nbsp;<a href="https://securebanking.kinecta.org/ForgotPassword" title="Password">Password</a>?</li>
417                                <li><a href="/faqs" title="FAQs">FAQs</a></li>
418                            </ul>
419                            <ul>
420                                <li><a href="https://securebanking.kinecta.org/Registration" title="Enroll in Online Banking">Enroll in Online Banking</a></li>
421                                <li><a href="https://digital.kinecta.org" title="Online Banking Tutorials">Online Banking Tutorials</a></li>
422                            </ul>
423                        </nav>
424                    </form>
425            </div>
426        </li>
427    </ul>
428</div>
429
430            </div>
431
432            <div class="toggle-mobile-menu" tabindex="0" aria-label="Toggle Mobile Menu">
433                <i class="fas fa-bars"></i>
434            </div>
435        </div>
436    </div>
437
438        <div class="container header-mobile-bottom-btns">
439            <div class="flex-container">
440                <a href="/contact-us" class="btn btn-primary" title="Contact Us">Contact Us</a>
441                <a href="/locations" class="btn btn-primary" title="Locations">Locations</a>
442            </div>
443        </div>
444    <section class="menu-row " aria-label="Site Login and Main Menu">
445        <div class="container">
446            <div class="flex-container">
447                <div class="desktop-login-box">
448
449
450
451<script>
452    function encode() {
453        document.querySelector('#UserName').value = encodeURIComponent(document.querySelector('#UserName').value);
454        document.querySelector('#Password').value = encodeURIComponent(document.querySelector('#Password').value);
455    }
456</script>
456
457
458<div class="login-box">
459    <ul>
460        <li class="login" style="">
461            <a href="" title="LOGIN" class="login-btn" data-redirect-message="">
462Log In  <i class="fas fa-chevron-down"></i> </a>
463
464            <div class="dropdown">
465
466                    <form name="desktopLogin" class="desktopLogin" action="https://securebanking.kinecta.org/Authentication/Username" method="post" autocomplete="off" enctype="application/x-www-form-urlencoded" onsubmit="encode()">
467
468                        <div class="form-row">
469                            <div class="form-box form-label-animation">
470                                <div class="field">
471                                    <div>
472                                        <input type="text" name="UserName" id="desktopLoginField" required />
473                                    </div>
474                                    <label for="desktopLoginField" class="labelLoginUser">Username</label>
475                                </div>
476                                <div class="form-box form-label-animation">
477                                    <div class="field">
478                                        <div>
479                                            <input type="password" name="Password" id="desktopPassField" required />
480                                            <svg id="desktopClosedEyeToggle" class="desktopClosedEyeToggle" width="20" height="14" viewBox="0 0 20 14" fill="none" xmlns="http://www.w3.org/2000/svg"><g id="Hide" clip-path="url(#clip0_2857_1410)"><path id="Vector" d="M10 0.0800781C8.38004 0.0800781 6.77004 0.470078 5.29004 1.21008L7.35004 2.50008C8.19004 2.23008 9.08004 2.08008 10 2.08008C13.28 2.08008 16.13 3.84008 17.77 6.83008C17.46 7.40008 17.09 7.91008 16.7 8.38008L18.4 9.45008C19.02 8.68008 19.56 7.82008 20 6.83008C18 2.33008 14 0.0800781 10 0.0800781Z" fill="#888B8D" /><path id="Vector_2" d="M1.55001 0L0.45001 1.66L2.62001 3.11C1.58001 4.1 0.67001 5.33 0.0100098 6.83C2.01001 11.33 6.01001 13.58 10.01 13.58C12.01 13.58 14.01 12.99 15.75 11.86L18.45 13.66L19.56 12L1.55001 0ZM10 11.58C6.72001 11.58 3.87001 9.82 2.23001 6.83C2.79001 5.81 3.49001 4.94 4.31001 4.24L6.65001 5.8C6.55001 6.13 6.48001 6.47 6.48001 6.83C6.48001 8.78 8.06001 10.35 10.01 10.35C10.87 10.35 11.64 10.03 12.25 9.52L13.91 10.62C12.73 11.23 11.41 11.57 10.01 11.57L10 11.58Z" fill="#888B8D" /><path id="Vector_3" d="M9.99992 3.31006C9.61992 3.31006 9.25992 3.39006 8.91992 3.50006L13.4799 6.37006C13.2499 4.65006 11.7899 3.32006 9.99992 3.32006V3.31006Z" fill="#888B8D" /></g><defs><clipPath id="clip0_2857_1410"><rect width="20" height="13.66" fill="white" /></clipPath></defs></svg>
481                                            <svg id="desktopOpenedEyeToggle" class="desktopOpenedEyeToggle" width="20" height="14" viewBox="0 0 20 14" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_2857_985)"><path d="M9.99998 5.22021C10.84 5.22021 11.52 5.90021 11.52 6.75021C11.52 7.60021 10.84 8.28021 9.99998 8.28021C9.15998 8.28021 8.47998 7.60021 8.47998 6.75021C8.47998 5.90021 9.15998 5.22021 9.99998 5.22021ZM9.99998 3.22021C8.04998 3.22021 6.47998 4.80021 6.47998 6.75021C6.47998 8.70021 8.05998 10.2802 9.99998 10.2802C11.94 10.2802 13.52 8.70021 13.52 6.75021C13.52 4.80021 11.94 3.22021 9.99998 3.22021Z" fill="#888B8D" /><path d="M10 2C13.28 2 16.13 3.76 17.77 6.75C16.13 9.74 13.28 11.5 10 11.5C6.72 11.5 3.87 9.74 2.23 6.75C3.87 3.76 6.72 2 10 2ZM10 0C6 0 2 2.25 0 6.75C2 11.25 6 13.5 10 13.5C14 13.5 18 11.25 20 6.75C18 2.25 14 0 10 0Z" fill="#888B8D" /></g><defs><clipPath id="clip0_2857_985"><rect width="20" height="13.5" fill="white" /></clipPath></defs></svg>
482                                        </div>
483                                        <label for="desktopPassField" class="labelLoginPass">Password</label>
484                                    </div>
485                                </div>
486                            </div>
487                        </div>
488
489                        <div class="form-row">
490                            <div class="form-box">
491                                <div class="field">
492                                    <div>
493                                        <input id="desktopSubmit" type="submit" value="Log In" class="btn btn-tertiary">
494                                    </div>
495                                </div>
496                            </div>
497                        </div>
498
499                        <nav class="login-links">
500                            <ul>
501                                <li>Forgot&nbsp;<a href="https://securebanking.kinecta.org/ForgotUsername" title="Username">Username</a>&nbsp;or&nbsp;<a href="https://securebanking.kinecta.org/ForgotPassword" title="Password">Password</a>?</li>
502                                <li><a href="/faqs" title="FAQs">FAQs</a></li>
503                            </ul>
504                            <ul>
505                                <li><a href="https://securebanking.kinecta.org/Registration" title="Enroll in Online Banking">Enroll in Online Banking</a></li>
506                                <li><a href="https://digital.kinecta.org" title="Online Banking Tutorials">Online Banking Tutorials</a></li>
507                            </ul>
508                        </nav>
509                    </form>
510            </div>
511        </li>
512    </ul>
513</div>
514
515                </div>
516
517
518
519<nav class="main-menu" aria-label="Main Site Navigation">
520
521    
522        <div class="mobile-utility-nav">
523            <nav class="utility-nav-dropdown-mobile" aria-label="Important Site Related Links and 
523Search">
524                <div class="search">
525                    <div class="input-group">
526                        <label for="search-box-mobile-e975e670-6679-4589-9e1f-7f95d68d33f1" class="sr-only">Search Site</label>
527                        <input type="search" id="search-box-mobile-e975e670-6679-4589-9e1f-7f95d68d33f1" class="site-search form-control" placeholder="Search" aria-label="Search Entire Site" aria-describedby="search-btn-mobile-e975e670-6679-4589-9e1f-7f95d68d33f1">
528                        <div class="input-group-append">
529                            <button class="search-site-button" id="search-btn-mobile-e975e670-6679-4589-9e1f-7f95d68d33f1" type="button" aria-label="search site button"><i class="fas fa-search"></i></button>
530                        </div>
531                    </div>
532                </div>
533            </nav>
534        </div>
535
536    <ul>
537
538
539            <li class="tier1 ">
540                <a href="https://kinecta.myori.com/app/oao/membership" aria-label="" title="Join Kinecta" data-redirect-message="" target="_self">Join Kinecta <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
541
542            </li>
543            <li class="tier1 ">
544                <a href="/rates" aria-label="" title="Rates" data-redirect-message="" target="_self">Rates <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
545
546            </li>
547
548
549                <li class="current  tier1 has-children
550                    showOnDesktop
551                    showOnMobile
552                    ExpandByDefault">
553
554                    
555                    <a href="/home" class="  " aria-label="" data-redirect-message="" target="_self" title="Personal">Personal <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
556
557                    <ul class="tier2 dropdown ">
558                        
559                                <li class="tier2 has-children
560                                    showOnDesktop
561                                    showOnMobile
562                                    ">
563                                    <a href="/checking-saving" aria-label="" title="Checking &amp; Savings" data-redirect-message="" target="_self">Checking &amp; Savings <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
564
565                                        <ul class="tier3 dropdown">
566                                                <li class="tier3 
567                                                    showOnDesktop
568                                                    showOnMobile">
569
570                                                        <a href="/checking-saving/checking" aria-label="" title="Checking" data-redirect-message="" target="_self">
571                                                            <div class="menu-item-container">
572                                                                <div class="menu-item-text">
573                                                                    <div class="menu-item-title">Checking</div>
574
575                                                                </div>
576                                                            </div>
577                                                        </a>
578                                                </li>
579                                                <li class="tier3 
580                                                    showOnDesktop
581                                                    showOnMobile">
582
583                                                        <a href="/checking-saving/saving-certificate" aria-label="" title="Savings &amp; Certificates" data-redirect-message="" target="_self">
584                                                            <div class="menu-item-container">
585                                                                <div class="menu-item-text">
586                                                                    <div class="menu-item-title">Savings &amp; Certificates</div>
587
588                                                                </div>
589                                                            </div>
590                                                        </a>
591                                                </li>
592                                                <li class="tier3 
593                                                    showOnDesktop
594                                                    showOnMobile">
595
596                                                        <a href="/checking-saving/ira" aria-label="" title="IRAs" data-redirect-message="" target="_self">
597                                                            <div class="menu-item-container">
598                                                                <div class="menu-item-text">
599                                                                    <div class="menu-item-title">IRAs</div>
600
601                                                                </div>
602                                                            </div>
603                                                        </a>
604                                                </li>
605                                                <li class="tier3 
606                                                    showOnDesktop
607                                                    showOnMobile">
608
609                                                        <a href="/checking-saving/debit-card" aria-label="" title="Debit Card" data-redirect-message="" target="_self">
610                                                            <div class="menu-item-container">
611                                                                <div class="menu-item-text">
612                                                                    <div class="menu-item-title">Debit Card</div>
613
614                                                                </div>
615                                                            </div>
616                                                        </a>
617                                                </li>
618                                        </ul>
619                                </li>
620                                <li class="tier2 has-children
621                                    showOnDesktop
622                                    showOnMobile
623                                    ">
624                                    <a href="/credit-card" aria-label="" title="Credit Cards" data-redirect-message="" target="_self">Credit Cards <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
625
626                                        <ul class="tier3 dropdown">
627                                                <li class="tier3 has-image
628                                                    showOnDesktop
629                                                    showOnMobile">
630
631                                                        <div>
632                                                            <a href="/credit-card/myperks" aria-label="" title="MyPerks Card" data-redirect-message="" target="_self">
633                                                                <div class="menu-item-container">
634                                                                    <div class="menu-item-image">
635                                                                        <img src="/getmedia/ea49f63c-6db0-47ad-bf09-99acc8a5f5aa/MyPerks-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" data-src="/getmedia/ea49f63c-6db0-47ad-bf09-99acc8a5f5aa/MyPerks-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" alt="">
636                                                                    </div>
637                                                                    <div class="menu-item-text">
638                                                                        <div class="menu-item-title">MyPerks Card</div>
639                                                                            <div class="menu-item-description">Cash back rewards</div>
640                                                                    </div>
641                                                                </div>
642                                                            </a>
643                                                        </div>
644                                                </li>
645                                                <li class="tier3 has-image
646                                                    showOnDesktop
647                                                    showOnMobile">
648
649                                                        <div>
650                                                            <a href="/credit-card/mypower" aria-label="Establish FICO MyFirst" title="MyPower Card" data-redirect-message="" target="_self">
651                                                                <div class="menu-item-container">
652                                                                    <div class="menu-item-image">
653                                                                        <img src="/getmedia/83d11211-2956-40af-8aca-2bbeef5a2985/MyPower-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" data-src="/getmedia/83d11211-2956-40af-8aca-2bbeef5a2985/MyPower-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" alt="Establish FICO MyFirst">
654                                                                    </div>
655                                                                    <div class="menu-item-text">
656                                                                        <div class="menu-item-title">MyPower Card</div>
657                                                                            <div class="menu-item-description">Low interest rates</div>
658                                                                    </div>
659                                                                </div>
660                                                            </a>
661                                                        </div>
662                                                </li>
663                                                <li class="tier3 has-image
664                                                    showOnDesktop
665                                                    showOnMobile">
666
667                                                        <div>
668                                                            <a href="/credit-card/myplan" aria-label="" title="MyPlan Card" data-redirect-message="" target="_self">
669                                                                <div class="menu-item-container">
670                                                                    <div class="menu-item-image">
671                                                                        <img src="/getmedia/79b343bf-aa8b-4480-8915-b2f3
6716c863b63/MyPlan-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" data-src="/getmedia/79b343bf-aa8b-4480-8915-b2f36c863b63/MyPlan-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" alt="">
672                                                                    </div>
673                                                                    <div class="menu-item-text">
674                                                                        <div class="menu-item-title">MyPlan Card</div>
675                                                                            <div class="menu-item-description">Rebuild your credit</div>
676                                                                    </div>
677                                                                </div>
678                                                            </a>
679                                                        </div>
680                                                </li>
681                                                <li class="tier3 has-image
682                                                    showOnDesktop
683                                                    showOnMobile">
684
685                                                        <div>
686                                                            <a href="/credit-card/mypro" aria-label="" title="MyPro Card" data-redirect-message="" target="_self">
687                                                                <div class="menu-item-container">
688                                                                    <div class="menu-item-image">
689                                                                        <img src="/getmedia/de30161e-2373-4139-a145-b887ce2f8190/MyPro-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" data-src="/getmedia/de30161e-2373-4139-a145-b887ce2f8190/MyPro-CC-nav-200x125.png?width=200&amp;height=125&amp;ext=.png" alt="">
690                                                                    </div>
691                                                                    <div class="menu-item-text">
692                                                                        <div class="menu-item-title">MyPro Card</div>
693                                                                            <div class="menu-item-description">Business purchases &amp; cash back</div>
694                                                                    </div>
695                                                                </div>
696                                                            </a>
697                                                        </div>
698                                                </li>
699                                                <li class="tier3 
700                                                    showOnDesktop
701                                                    showOnMobile">
702
703                                                        <a href="/credit-card/credit-cards-compare" aria-label="" title="Compare Credit Cards" data-redirect-message="" target="_self">
704                                                            <div class="menu-item-container">
705                                                                <div class="menu-item-text">
706                                                                    <div class="menu-item-title">Compare Credit Cards</div>
707
708                                                                </div>
709                                                            </div>
710                                                        </a>
711                                                </li>
712                                        </ul>
713                                </li>
714                                <li class="tier2 has-children
715                                    showOnDesktop
716                                    showOnMobile
717                                    ">
718                                    <a href="/loans-lines" aria-label="" title="Loans &amp; Lines" data-redirect-message="" target="_self">Loans &amp; Lines <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
719
720                                        <ul class="tier3 dropdown">
721                                                <li class="tier3 
722                                                    showOnDesktop
723                                                    showOnMobile">
724
725                                                        <a href="/loans-lines/personal" aria-label="" title="Personal" data-redirect-message="" target="_self">
726                                                            <div class="menu-item-container">
727                                                                <div class="menu-item-text">
728                                                                    <div class="menu-item-title">Personal</div>
729
730                                                                </div>
731                                                            </div>
732                                                        </a>
733                                                </li>
734                                                <li class="tier3 
735                                                    showOnDesktop
736                                                    showOnMobile">
737
738                                                        <a href="/loans-lines/personal#signature-personal" aria-label="" title="Line of Credit" data-redirect-message="" target="_self">
739                                                            <div class="menu-item-container">
740                                                                <div class="menu-item-text">
741                                                                    <div class="menu-item-title">Line of Credit</div>
742
743                                                                </div>
744                                                            </div>
745                                                        </a>
746                                                </li>
747                                        </ul>
748                                </li>
749                                <li class="tier2 has-children
750                                    showOnDesktop
751                                    showOnMobile
752                                    ">
753                                    <a href="/vehicles" aria-label="" title="Vehicles" data-redirect-message="" target="_self">Vehicles <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
754
755                                        <ul class="tier3 dropdown">
756                                                <li class="tier3 
757                                                    showOnDesktop
758                                                    showOnMobile">
759
760                                                        <a href="/vehicles/purchase" aria-label="" title="Purchase" data-redirect-message="" target="_self">
761                                                            <div class="menu-item-container">
762                                                                <div class="menu-item-text">
763                                                                    <div class="menu-item-title">Purchase</div>
764
765                                                                </div>
766                                                            </div>
767                                                        </a>
768                                                </li>
769                                                <li class="tier3 
770                                                    showOnDesktop
771                                                    showOnMobile">
772
773                                                        <a href="/vehicles/refinancing" aria-label="" title="Refinancing" data-redirect-message="" target="_self">
774                                                            <div class="menu-item-container">
775                                                                <div class="menu-item-text">
776                                                                    <div class="menu-item-title">Refinancing</div>
777
778                                                                </div>
779                                                            </div>
780                                                        </a>
781                                                </li>
782                                        </ul>
783                                </li>
784                                <li class="tier2 has-children
785                                    showOnDesktop
786                                    showOnMobile
787                                    ">
788                                    <a href="/mortgage" aria-label="Mortgage" title="Mortgage" data-redirect-message="" target="_self">
788Mortgage <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
789
790                                        <ul class="tier3 dropdown">
791                                                <li class="tier3 
792                                                    showOnDesktop
793                                                    showOnMobile">
794
795                                                        <a href="/mortgage/purchase" aria-label="" title="Purchase" data-redirect-message="" target="_self">
796                                                            <div class="menu-item-container">
797                                                                <div class="menu-item-text">
798                                                                    <div class="menu-item-title">Purchase</div>
799
800                                                                </div>
801                                                            </div>
802                                                        </a>
803                                                </li>
804                                                <li class="tier3 
805                                                    showOnDesktop
806                                                    showOnMobile">
807
808                                                        <a href="/mortgage/refinance" aria-label="" title="Refinance" data-redirect-message="" target="_self">
809                                                            <div class="menu-item-container">
810                                                                <div class="menu-item-text">
811                                                                    <div class="menu-item-title">Refinance</div>
812
813                                                                </div>
814                                                            </div>
815                                                        </a>
816                                                </li>
817                                                <li class="tier3 
818                                                    showOnDesktop
819                                                    showOnMobile">
820
821                                                        <a href="/mortgage/equity" aria-label="" title="Home Equity" data-redirect-message="" target="_self">
822                                                            <div class="menu-item-container">
823                                                                <div class="menu-item-text">
824                                                                    <div class="menu-item-title">Home Equity</div>
825
826                                                                </div>
827                                                            </div>
828                                                        </a>
829                                                </li>
830                                                <li class="tier3 
831                                                    showOnDesktop
832                                                    showOnMobile">
833
834                                                        <a href="/mortgage/related-services" aria-label="" title="Related Services" data-redirect-message="" target="_self">
835                                                            <div class="menu-item-container">
836                                                                <div class="menu-item-text">
837                                                                    <div class="menu-item-title">Related Services</div>
838
839                                                                </div>
840                                                            </div>
841                                                        </a>
842                                                </li>
843                                                <li class="tier3 
844                                                    showOnDesktop
845                                                    showOnMobile">
846
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872                                                                    <div class="menu-item-title">Digital Investing</div>
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898
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903
904                                                        <a href="/insurance/Life-Insurance" aria-label="" title="Life &amp; Long-Term Care Insurance" data-redirect-message="" target="_self">
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908
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917                                                        <a href="/insurance/Loan-Protection" aria-label="" title="Loan Protection" data-redirect-message="" target="_self">
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920                                                                    <div class="menu-item-title">Loan Protection</div>
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926                                                <li class="tier3 
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929
930                                                        <a href="/insurance/Property-Casualty" aria-label="" title="Property &amp; Casualty" data-redirect-message="" target="_self">
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939                                                <li class="tier3 
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942
943                                                        <a href="/insurance/Pet-Insurance" aria-label="" title="Pet Insurance" data-redirect-message="" target="_self">
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945                                                                <div class="menu-item-text">
946                                                                    <div class="menu-item-title">Pet Insurance</div>
947
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962                    <a href="/business" class="  " aria-label="" data-redirect-message="" target="_self" title="Business">Business <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
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966                                <li class="tier2 
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971
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973                                <li class="tier2 
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977                                    <a href="/credit-card/mypro" aria-label="" title="Credit Cards" data-redirect-message="" target="_self">Credit Cards <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
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992
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1003
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1051                                <li class="tier2 
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1055                                    <a href="/careers" aria-label="" title="Careers" data-redirect-message="" target="_self">Careers <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
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1057                                </li>
1058                                <li class="tier2 
1059                                    showOnDesktop
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1062                                    <a href="/member-benefits" aria-label="" title="Member Benefits" data-redirect-message="" target="_self">Member Benefits <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
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1065                                <li class="tier2 
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1069                                    <a href="/community" aria-label="" title="Community Supp
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1070
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1076                                    <a href="/about-us/executive-staff" aria-label="" title="Executive Team" data-redirect-message="" target="_self">Executive Team <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
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1166                                                                    <div class="menu-item-title">
1166Financial Planning</div>
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1172                                                <li class="tier3 
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1175
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1188
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1211                                                <li class="tier3 
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1240                                                                    <div class="menu-item-title">FIRE Retirement</div>
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1245                                                </li>
1246                                                <li class="tier3 
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1249
1250                                                        <a href="/wealth-test" aria-label="" title="Managing Your 401(k)" data-redirect-message="" target="_self">
1251                                                            <div class="menu-item-container">
1252                                                                <div class="menu-item-text">
1253                                                                    <div class="menu-item-title">Managing Your 401(k)</div>
1254
1255                                                                </div>
1256                                                            </div>
1257                                                        </a>
1258                                                </li>
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1260                                </li>
1261                                <li class="tier2 has-children
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1265                                    <a href="/wealth-test" aria-label="" title="Insights" data-redirect-message="" target="_self">Insights <span style="" class="icon"><i class="fas fa-plus"></i></span></a>
1266
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1268                                                <li class="tier3 
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1271
1272                                                        <a href="/wealth-test" aria-label="" title="Market Commentary" data-redirect-message="" target="_self">
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1274                                                                <div class="menu-item-text">
1275                                                                    <div class="menu-item-title">Market Commentary</div>
1276
1277                                                                </div>
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1280                                                </li>
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1287                                    <a href="/wealth-test" aria-label="" title="Contact" data-redirect-message="" target="_self">Contact <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
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1296
1297                    
1298                    <a href="/Make-a-Payment" class="  " aria-label="" data-redirect-message="" target="_self" title="Make a Payment">Make a Payment <span style="display: none;" class="icon"><i class="fas fa-plus"></i></span></a>
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1358                                            <h2 class="h2">Member Exclusive: Mortgage Benefits</h2>
1359                                                                                    <div class="desc">Saving you money at closing and over the life of your loan.</div>
1360                                                                                    <div class="cta-hyperlink-right-section">
1361                                                <div class="cta">
1362                                                        <a href="https://kinectahomeloans.mymortgage-online.com/loan-app/?siteId=3650448325&amp;workFlowId=176465&amp;lar=jmorganegg&amp;customParameter=Website%3A%3A%3Awebsite" class="btn btn-primary" title="click here to apply" target="_self" data-redirect-message="You are continuing to a third-party website. Kinecta does not provide, and is not responsible for the products, services, security, or overall content available at this website. Please confirm the site&amp;rsquo;s identity and authenticity and review their Privacy Policy as it may differ from our Privacy Policy." data-slide="1">Apply now</a>
1363
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1422    var windowWidth = window.innerWidth;
1423
1424    ///////////////// template for thumbnails
1425    const getTumb = (slideshow, slide, xtraClass) => { return `<li><button class="thumb ${xtraClass} fadeIn" data-slideshow="${slideshow}" data-slide="${slide}"></button></li>` }
1426
1427    ///////////////// move slides (to index)
1428    const moveToSlideByIndex = (targetSlideshow, targetSlide) => {
1429        const rail = targetSlideshow.querySelector('.rail')
1430        const thumbs = targetSlideshow.querySelectorAll('.thumbs li .thumb')
1431        const Activethumb = targetSlideshow.querySelector('.thumbs .thumb_current')
1432        const slideRestingTime = rail.querySelector(`.slide:nth-child(${targetSlide})`).dataset.idlefor;
1433        let position = SLIDESHOW_WIDTH * (targetSlide - 1)
1434
1435        Activethumb.classList.remove('thumb_current')
1436        thumbs[targetSlide - 1].classList.add('thumb_current')
1437
1438        // clear interval so that a new one can be created when landint on this slide
1439        clearInterval(TIMERS_INTERVALS['i' + targetSlideshow.id]);
1440        updateTimer(targetSlideshow, slideRestingTime)
1441
1442        const isMobile = document.body.clientWidth <= 991; // 1219;
1443
1444        if (isMobile) {
1445            rail.style.setProperty('transform', `translate3d(${position * -1}px,0,0)`);
1446            targetSlideshow.dataset.currentslide = targetSlide;
1447            targetSlideshow.dataset.transformtranslate = position;
1448        }
1449
1450        if (!isMobile) {
1451            //rail.style.opacity = 0;
1452
1453            const allSlides = targetSlideshow.querySelectorAll('.slide-container');
1454            allSlides.forEach(slide => {
1455                slide.style.opacity = 0.5; // 0
1456            })
1457
1458            setTimeout(() => {
1459                // FOR DESKTOP
1460                rail.style.setProperty('transform', `translate3d(${position * -1}px,0,0)`);
1461                targetSlideshow.dataset.currentslide = targetSlide;
1462                targetSlideshow.dataset.transformtranslate = position;
1463
1464                allSlides.forEach(slide => {
1465                    slide.style.opacity = 1;
1466                })
1467                //rail.style.opacity = 1;
1468            }, 250); // 500
1469        }
1470
1471    }
1472
1473    ///////////////// move slides (directional)
1474    const moveToSlideByDirection = (targetSlideshow, direction) => {
1475        const currentPos = parseInt(targetSlideshow.dataset.currentslide)
1476        const lastSlide = parseInt(targetSlideshow.dataset.slidescount)
1477        let nextPos = currentPos + direction;
1478
1479        if (nextPos > lastSlide) { nextPos = 1; }
1480        if (nextPos < 1) { nextPos = lastSlide }
1481        moveToSlideByIndex(targetSlideshow, nextPos)
1482    }
1483
1484
1485    ///////////////// move with arrows
1486    const arrowClick = (buttonClicked, direction) => {
1487        //const targetSlideshow = buttonClicked.target.parentElement
1488        const targetSlideshow = buttonClicked.target.parentElement.parentElement.parentElement;
1489        moveToSlideByDirection(targetSlideshow, direction)
1490    }
1491
1492    ///////////////// update timers
1493    const updateTimer = (slideshow, timer) => {
1494        if (!(timer > 0)) return
1495
1496        TIMERS_INTERVALS['i' + slideshow.id] = setInterval(function () {
1497            if (!SLIDESHOW_PAUSE)
1498                moveToSlideByDirection(slideshow, 1)
1499        }, timer);
1500    }
1501
1502
1503
1504    ///////////////// move with Swipe
1505    const handleSwipe = (targetSlideshow) => {
1506        const distance_x = SLIDESHOW_TOUCH_START - SLIDESOW_TOUCH_END;
1507        const distanceAbsolute = Math.abs(distance_x);
1508        const threshold = 20;
1509
1510        if (distanceAbsolute >= threshold && targetSlideshow.classList.contains('has-arrows-and-thumbs')) {
1511            const direction = distance_x > 0 ? 1 : -1
1512            moveToSlideByDirection(targetSlideshow, direction)
1513        }
1514    }
1515
1516    // add functionality to slideshows
1517    if (slideshows && slideshows.length > 0) {
1518        let slideshowID = 0;
1519        slideshows.forEach(slideshow => {
1520            const rail = slideshow.querySelector('.rail')
1521            const slides = slideshow.querySelectorAll('.slide')
1522            const arrowL = slideshow.querySelector('.arrow-L')
1523            const arrowR = slideshow.querySelector('.arrow-R')
1524            const thumbs = slideshow.querySelector('.thumbs')
1525            const duration = slideshow.dataset.transition;
1526            const slidesInSlideshow = slides.length
1527
1528            slideshow.id = `slideshow-${slideshowID}`;
1529            slideshow.dataset.slideshowid = slideshowID;
1530            slideshow.dataset.slidescount = 1;
1531            slideshow.dataset.currentslide = 1;
1532
1533            if (slidesInSlideshow > 1)                                    // check if slideshow has more than 1 slide
1534            {
1535                let thumbsHTML = ""
1536                const firstSlide = rail.querySelector('.slide:first-child')
1537                const initialTimer = firstSlide.dataset.idlefor;
1538
1539                slideshow.dataset.slidescount = slidesInSlideshow;
1540                slideshow.dataset.transformtranslate = 0;
1541
1542                slideshow.classList.add('has-arrows-and-thumbs')
1543                rail.style.setProperty('transition-duration', `${duration}ms`);
1544
1545                rail.style.width = SLIDESHOW_WIDTH * slidesInSlideshow + "px";
1546                arrowL.classList.remove('arrow-hide')
1547                arrowR.classList.remove('arrow-hide')
1548
1549                ////////////////////////////////////////////////// create thumbnails // first one marked as active
1550                thumbsHTML += getTumb(slideshowID, 1, 'thumb_current')
1551                for (let i = 1; i < slidesInSlideshow; i++) { thumbsHTML += getTumb(slideshowID, i + 1, '') }
1552
1553                thumbs.innerHTML = thumbsHTML;
1554
1555                ////////////////////////////////////////////////// arrow events
1556                arrowL.onclick = function (e) { arrowClick(e, -1) };
1557                arrowR.onclick = function (e) { arrowClick(e, 1) };
1558                ////////////////////////////////////////////////// add time interval to array of intervals
1559                updateTimer(slideshow, initialTimer)
1560            }
1561
1562            slideshowID++;      // prepare for next slideshow in loop
1563        });
1564
1565        ////////////////////////////////////////////////// pause slideshow when mouse is inside
1566        document.querySelector(".descriptive-hero-slideshow-container").onmouseenter = function (e) {
1567            SLIDESHOW_PAUSE = true;
1568        }
1569
1570        ////////////////////////////////////////////////// resume slideshow when mouse leaves
1571        document.querySelector(".descriptive-hero-slideshow-container").onmouseleave = function (e) {
1572            SLIDESHOW_PAUSE = false;
1573        }
1574
1575        ////////////////////////////////////////////////// on click (desktop only), transition slide
1576        document.querySelector(".rail").onclick = function (e) { //descriptive-hero-slideshow.has-arrows-and-thumbs").onclick = function (e) {
1577            if (getSlideshowSize() <= 991) return; // 991 or 1219
1578
1579            const el = document.querySelector(".descriptive-hero-slideshow.has-arrows-and-thumbs"); //e.target
1580            const slideshowID = el.dataset.slideshowid;
1581            const targetSlideshow = document.getElementById(`slideshow-${slideshowID}`)
1582
1583            moveToSlideByDirection(targetSlideshow, 1);
1584        }
1585
1586        ////////////////////////////////////////////////// add   events to dynamically created thumbs
1587        document.body.onclick = function (e) {
1588            if (e.target.classList.contains("thumb")) {
1589                const el = e.target
1590                const slideshowID = el.dataset.slideshow
1591                const thumbID = el.dataset.slide
1592                const targetSlideshow = document.getElementById(`slideshow-${slideshowID}`)
1593
1594                moveToSlideByIndex(targetSlideshow, thumbID)
1595            }
1596        };
1597        ////////////////////////////////////////////////// swipe events
1598        document.body.addEventListener('touchstart', function (e) {
1599            if (slideshows && slideshows.length > 0) {
1600                slideshows.forEach(slideshow => {
1601                    if (slideshow.contains(e.target)) {
1602                        SLIDESHOW_TOUCH_START = e.touches[0].clientX;
1603                        SLIDESHOW_TOUCH_START_Y = e.touches[0].clientY;
1604                        SLIDESHOW_NOW_TOUCHED = slideshow
1605                        const rail = SLIDESHOW_NOW_TOUCHED.querySelector('.rail')
1606                        rail.classList.add('no-transition')
1607                    }
1608                });
1609            }
1610        }, false);
1611
1612        document.body.addEventListener('touchend', function (e) {
1613            TOUCH_ACTION = TOUCH_ACTION_IDLE;
1614            const rail = SLIDESHOW_NOW_TOUCHED.querySelector('.rail')
1615            SLIDESOW_TOUCH_END = e.changedTouches[0].clientX;
1616
1617            if (SLIDESHOW_TOUCH_START !== 0) {
1618                handleSwipe(SLIDESHOW_NOW_TOUCHED);
1619                SLIDESHOW_TOUCH_START = 0;
1620                rail.classList.remove('no-transition')
1621            }
1622        }, false);
1623
1624        document.body.addEventListener("touchmove", function (e) {
1625            if (SLIDESHOW_TOUCH_START != 0) {
1626                const curTouchPos = e.touches[0].clientX
1627                const curTouchPosY = e.touches[0].clientY
1628                const distance = curTouchPos - SLIDESHOW_TOUCH_START
1629                const distanceY = curTouchPosY - SLIDESHOW_TOUCH_START_Y
1630
1631                // check if we're trying to vertical scroll - and haven't already started a horizontal scroll first
1632                if (TOUCH_ACTION != TOUCH_ACTION_CAROUSEL && (Math.abs(distance) < Math.abs(distanceY))) {
1633                    TOUCH_ACTION = TOUCH_ACTION_BROWSER;
1634                    SLIDESHOW_TOUCH_START = 0;
1635
1636                    return
1637                }
1638
1639                // made it this far, so it's a carousel swipe
1640                TOUCH_ACTION = TOUCH_ACTION_CAROUSEL;
1641                e.preventDefault()
1642
1643                const totalSlides = parseInt(SLIDESHOW_NOW_TOUCHED.dataset.slidescount);
1644                const currentslide = parseInt(SLIDESHOW_NOW_TOUCHED.dataset.currentslide)
1645
1646                if (currentslide <= totalSlides) {
1647                    const rail = SLIDESHOW_NOW_TOUCHED.querySelector('.rail')
1648                    const railStartPos = parseFloat(SLIDESHOW_NOW_TOUCHED.dataset.transformtranslate);
1649                    const dragPosition = railStartPos - distance;
1650
1651                    rail.style.setProperty('transform', `translate3d(-${dragPosition}px,0,0)`);
1652                }
1653            }
1654        }, { passive: false });
1655    }
1656
1657
1658
1659    // on resize
1660    window.addEventListener('resize', function (event) {
1661        if (window.innerWidth == windowWidth) return; // don't fire resize if it's just the height changing (mobile browser scroll)
1662        windowWidth = window.innerWidth;
1663
1664        SLIDESHOW_WIDTH = getSlideshowSize();
1665        if (slideshows && slideshows.length > 0) {
1666            slideshows.forEach((slideshow, index) => {
1667                const rail = slideshow.querySelector('.rail')
1668                const slidesInSlideshow = rail.querySelectorAll('.slide');
1669
1670                if (slideshow.classList.contains('has-arrows-and-thumbs')) {
1671                    rail.style.width = SLIDESHOW_WIDTH * slidesInSlideshow.length + "px";
1672                    moveToSlideByIndex(slideshow, 1)                        //move to first to avoid offset mess
1673                }
1674            });
1675        }
1676
1677    }, true);
1678</script>
1678<div class="generic-content section-padding">
1679    <div class="container fr-view" style="">
1680<p>As a Kinecta member, we’re pleased to offer you discounts on your mortgage interest rate and closing costs based on your relationship with us. This means less cash required at closing and lower monthly payments.</p><h4>Relationship Pricing for Mortgages<sup id="isPasted">1</sup></h4><table style="width: 100%"><tbody><tr><td style="width: 33.3333%"><div style="text-align: center"><span id="isPasted" style="font-weight: 400">Account Balance</span></div></td><td style="width: 33.3333%"><span id="isPasted" style="font-weight: 400">Interest Rate Discount</span></td><td style="width: 33.3333%"><span id="isPasted" style="font-weight: 400">Closing Credit</span></td></tr><tr><td><div style="text-align: center"><span style="font-weight: 400">$50,001 - $100,000</span></div></td><td style="width: 33.3333%"><span style="font-weight: 400">0.000% off<br></span></td><td style="width: 33.3333%"><span style="font-weight: 400">$500<br></span></td></tr><tr><td style="width: 33.3333%"><div style="text-align: center"><span style="font-weight: 400">$100,001 - $250,000</span></div></td><td style="width: 33.3333%"><span style="font-weight: 400">0.125% off<br></span></td><td style="width: 33.3333%"><span style="font-weight: 400">$500<br></span></td></tr><tr><td style="width: 33.3333%"><div style="text-align: center"><span style="font-weight: 400">$250,001 and above</span></div></td><td style="width: 33.3333%"><span style="font-weight: 400">0.250% off<br></span></td><td style="width: 33.3333%"><span style="font-weight: 400">$750<br></span></td></tr></tbody></table><!--
1681<p style="margin-top:20px;">In addition to meeting one of the tiers above, the following is required to receive relationship pricing:</p>
1682
1683<ul id="isPasted">
1684	<li>Kinecta account set up to receive a recurring direct deposit or other ACH electronic funds transfer</li>
1685	<li>Automated draft of mortgage payment from your Kinecta account</li>
1686	<li>Qualifying balance must be in your account after final loan approval, prior to preparation of closing documents</li>
1687	<li>Aggregate balance can be combined from savings, share certificate, money market account, checking account, IRA and investment accounts held through Kinecta Wealth Management<sup>2</sup></li>
1688</ul>
1689
1690<p style="margin-top:20px;">Get started by <a href="https://homeloan.kinecta.org/?_gl=1*5z2cqq*_ga*NjcxMTc3NzEwLjE2ODgwNTIxNjA.*_ga_WGPSZ5EES7*MTY4OTEwNTQ0OS4xNC4xLjE2ODkxMDU2NTcuMC4wLjA.#/choose-loan-type?signup" id="isPasted">applying online</a>, or call 800-854-4501 to speak with a Mortgage Loan Consultant.</p>-->    </div>
1691</div>
1692
1693
1694<section class="bold-image-cta image-left section-padding" aria-label="Bold Image Call To Action">
1695    <div class="container container-with-white-background ">
1696        <div class="row">
1697
1698            <div class="image-col col-md-4">
1699                <div class="photo lazy-load-bg " style="background-image:url('/getmedia/47a9822f-64a3-4e79-b94d-13e3c9798292/Upscale-modern-home');" aria-label="picture of a home"></div>
1700            </div>
1701
1702            <div class="content-col col-md-8">
1703                <div class="content">
1704                    <div class="desc fr-view" style="">
1705<p data-gtm-vis-has-fired873162_643="1" id="isPasted">In addition to meeting one of the deposit tiers listed above, all of the following requirements must be met to qualify for relationship pricing:</p><ul data-gtm-vis-has-fired873162_643="1"><li data-gtm-vis-has-fired873162_643="1">Automated monthly mortgage payments from your Kinecta account</li><li data-gtm-vis-has-fired873162_643="1">Qualifying balance(s) must be in your Kinecta accounts(s) upon notice of final loan approval and prior to preparation of loan closing documentation</li><li data-gtm-vis-has-fired873162_643="1">Aggregate balances can be combined from Kinecta share accounts<sup data-gtm-vis-has-fired873162_643="1">2</sup> and/or Kinecta Wealth Management<sup data-gtm-vis-has-fired873162_643="1">3</sup> investment accounts</li></ul><p style="margin-top: 20px">Get started by <a href="https://homeloan.kinecta.org/?_gl=1*5z2cqq*_ga*NjcxMTc3NzEwLjE2ODgwNTIxNjA.*_ga_WGPSZ5EES7*MTY4OTEwNTQ0OS4xNC4xLjE2ODkxMDU2NTcuMC4wLjA.#/choose-loan-type?signup" id="isPasted">applying online</a>, or call 800-854-4501 to speak with a Mortgage Loan Consultant.</p>                    </div>
1706                    <div class="ctas">
1707                            <a class="btn btn-primary" href="/Home-Loans-Leads" title="click here to fill out a form" data-redirect-message="You are continuing to a third-party website. Kinecta does not provide, and is not responsible for the products, services, security, or overall content available at this website. Please confirm the site&amp;rsquo;s identity and authenticity and review their Privacy Policy as it may differ from our Privacy Policy.">TALK TO US</a>
1708                                                    <a class="btn btn-secondary" href="https://kinectahomeloans.mymortgage-online.com/loan-app/?siteId=3650448325&amp;workFlowId=176465&amp;lar=jmorganegg&amp;customParameter=Website%3A%3A%3Awebsite" title="Click here to Apply Now" data-redirect-message="You are continuing to a third-party website. Kinecta does not provide, and is not responsible for the products, services, security, or overall content available at this website. Please confirm the site&amp;rsquo;s identity and authenticity and review their Privacy Policy as it may differ from our Privacy Policy.">Apply Now</a>
1709                    </div>
1710                </div>
1711            </div>
1712
1713        </div>
1714    </div>
1715</section>
1716
1717
1718<section class="gray-bg section-padding" aria-label="Page Disclaimer">
1719    <div class="container">
1720        <div class="row">
1721            <div class="col-12">
1722                <div class="disclaimer">
1723                    <div class="blurb fr-view" style="">
1724<p id="isPasted" style="color: rgba(0, 0, 0, 1)"><sup data-gtm-vis-has-fired873162_643="1" id="isPasted">1</sup>This offer applies to first mortgage loans only, excluding fixed portfolio loan products. Discounts and credits are not available for home equity loans or home equity lines of credit.<br data-gtm-vis-has-fired873162_643="1"><br data-gtm-vis-has-fired873162_643="1"><sup data-gtm-vis-has-fired873162_643="1">2</sup>A Kinecta share account(s) (herein “share account” or “account”) with a minimal balance is required at the time of closing to re
1724ceive the corresponding interest rate discount and closing cost credit identified in the table above. Automated monthly transfers of the mortgage payment from a Kinecta share account using automated drafting is also required. Actual interest rate shall be verified after final loan approval and subject to verification and satisfaction of the terms herein.<br data-gtm-vis-has-fired873162_643="1"><br data-gtm-vis-has-fired873162_643="1">The interest rate discount and closing cost credit will depend on the level of the Kinecta and/or Kinecta Wealth Management eligible account balance(s). The closing cost credit offer will be applied at closing and may not be used prior to closing. In Texas, the credit may not result in you receiving cash back. Relationship pricing benefits cannot be combined with other offers and incentives. Eligible account balances will be verified upon final loan approval and shall remain on deposit at closing. Account balance(s) used to determine the discount and closing credit will be the balance(s) that remain(s) after any reduction for down payment and closing costs for the mortgage transaction.<br data-gtm-vis-has-fired873162_643="1"><br data-gtm-vis-has-fired873162_643="1">Account balances must be in the member’s account(s) upon notice of final loan approval and prior to preparation of loan closing documentation. Kinecta eligible share accounts include traditional savings, share certificates, money market, checking and IRAs. Investment Accounts held through Kinecta Wealth Management are also eligible. The borrower must be an account holder on the Kinecta and Kinecta Wealth Management accounts.<br data-gtm-vis-has-fired873162_643="1"><br data-gtm-vis-has-fired873162_643="1">Kinecta Relationship pricing is subject to change without notice.</p><p style="font-size: 1.2em; line-height: 1.5em; margin-top: 20px"><strong><sup>3</sup>We have a partnership with Ameriprise Financial Services to provide financial planning services and solutions to our clients. We are not an investment client of Ameriprise, but we have a revenue sharing relationship with them that creates a conflict of interest. Details on how we work together can be found on <a class="speedbump-link" href="https://ameriprise.com/sec-disclosure">ameriprise.com/sec-disclosure</a>.</strong></p><p>Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change. Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.<br><br>Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.<br><br>The financial institution and Ameriprise Financial, Inc. are not affiliated.<br><br>Kinecta Wealth Management is a financial advisory practice of Ameriprise Financial Services, LLC.<br><br>Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.<br><br>Securities offered by Ameriprise Financial Services, LLC. Member <a class="speedbump-link" href="http://www.finra.org" rel="noopener" target="_blank">FINRA&nbsp;</a>and <a class="speedbump-link" href="http://www.sipc.org" rel="noopener" target="_blank">SIPC</a>.</p><div class="row" style="color: rgba(43, 62, 80, 1); text-align: center; background-color: rgba(245, 245, 245, 1); box-shadow: 0 0 3px rgba(0, 0, 0, 0.09); margin-top: 30px"><div class="col-sm" style="border: 1px solid rgba(221, 221, 221, 1); display: table; height: 70px"><p style="vertical-align: middle; display: table-cell"><strong>Not FDIC or NCUA Insured</strong></p></div><div class="col-sm" style="border: 1px solid rgba(221, 221, 221, 1); display: table; height: 70px"><p style="vertical-align: middle; display: table-cell"><strong>No Financial Institution Guaranteed</strong></p></div><div class="col-sm" style="border: 1px solid rgba(221, 221, 221, 1); display: table; height: 70px"><p style="vertical-align: middle; display: table-cell"><strong>May Lose Value&nbsp;</strong></p></div></div>                    </div>
1725                </div>
1726            </div>
1727        </div>
1728    </div>
1729</section>
1730
1731    <div>
1732        
1733    </div>
1734
1735            </div>
1736
1737
1738
1739
1740
1741<footer class="site-footer" aria-label="Main Site Footer">
1742            <div class="footer-top">
1743            <div class="container">
1744                <div class="row">
1745                    <div class="left-col col-lg-3 col-xl-3">
1746                        <div class="logo">
1747                            <a href="/" title="Kinecta Federal Credit Union">
1748                                <img id="footerLogo" alt="Site Logo" src="/Kinecta/media/Kinecta/Kinecta-Logo.svg?ext=.svg" />
1749                            </a>
1750                        </div>
1751                    </div>
1752
1753                    <div class="middle-col col-lg-3">
1754                        <div class="routing">Routing # 322278073</div>
1755                        <div class="phone">
1756                            <div>
1756Member Contact Center</div>
1757                            <a href="tel:8008549846" title="Call us at 800.854.9846">800.854.9846</a>
1758                        </div>
1759                    </div>
1760
1761                    <div class="right-col col-lg-6 col-xl-6">
1762
1763
1764
1765<div class="download-apps">
1766    <div class="download-apps-container">
1767        <div class="download-apps-section ">
1768            <h2 class="headline">Download our mobile app</h2>
1769            <ul>
1770                <li>
1771                    <a class="speedbump-link" href="https://apps.apple.com/us/app/id502816782" title="Download Our App on the App Store">
1772                        <img src="/public/library/img/apple-store-badge.svg" alt="Apple App Store Icon">
1773                    </a>
1774                </li>
1775                <li>
1776                    <a class="speedbump-link" href="https://play.google.com/store/apps/details?id=com.kinectafcu.kinectafcu" title="Download Our App on Google Play">
1777                        <img src="/public/library/img/google-play-store-badge.svg" alt="Google Play Store Icon" />
1778                    </a>
1779                </li>
1780            </ul>
1781        </div>
1782    </div>
1783</div>
1784
1785                    </div>
1786
1787                </div>
1788
1789                <div class="row footer-row">
1790<div class="footer-links">
1791    <nav class="footer-primary-links links-col">
1792        <ul>
1793                    <li>
1794                        <a href="/about-us" class=" " aria-label="About Us" data-redirect-message="" target="_self" title="About Us">About Us</a>
1795                    </li>
1796                    <li>
1797                        <a href="/about-us/executive-staff" class=" " aria-label="Executive Team" data-redirect-message="" target="_self" title="Executive Team">Executive Team</a>
1798                    </li>
1799                    <li>
1800                        <a href="/about-us/board-of-directors" class=" " aria-label="Board of Directors" data-redirect-message="" target="_self" title="Board of Directors">Board of Directors</a>
1801                    </li>
1802                    <li>
1803                        <a href="/careers" class=" " aria-label="Careers" data-redirect-message="" target="_self" title="Careers">Careers</a>
1804                    </li>
1805                    <li>
1806                        <a href="/online-banking-bill-pay" class=" " aria-label="" data-redirect-message="" target="_self" title="Online &amp; Mobile Banking">Online &amp; Mobile Banking</a>
1807                    </li>
1808                    <li>
1809                        <a href="/security" class=" " aria-label="" data-redirect-message="" target="_self" title="Security">Security</a>
1810                    </li>
1811                    <li>
1812                        <a href="/forms" class=" " aria-label="" data-redirect-message="" target="_self" title="Forms">Forms</a>
1813                    </li>
1814                    <li>
1815                        <a href="/disclosures" class=" " aria-label="" data-redirect-message="" target="_self" title="Disclosures">Disclosures</a>
1816                    </li>
1817                    <li>
1818                        <a href="/privacy" class=" " aria-label="Privacy Policy" data-redirect-message="" target="_self" title="Privacy">Privacy</a>
1819                    </li>
1820                    <li>
1821                        <a href="/terms-of-use" class=" " aria-label="Terms of Use" data-redirect-message="" target="_self" title="Terms of Use">Terms of Use</a>
1822                    </li>
1823                    <li>
1824                        <a href="/website-accessibility" class=" " aria-label="" data-redirect-message="" target="_self" title="Accessibility">Accessibility</a>
1825                    </li>
1826                    <li>
1827                        <a href="/sitemap" class=" " aria-label="Sitemap" data-redirect-message="" target="_self" title="Sitemap">Sitemap</a>
1828                    </li>
1829        </ul>
1830    </nav>
1831</div>
1832                </div>
1833            </div>
1834        </div>
1835
1836
1837
1838    <div class="footer-bottom">
1839        <div class="container">
1840            <div class="row">
1841                <div class="copyright-col">
1842                    <div class="copyright-info">
1843                            <p>
1843©2026 Kinecta Federal Credit Union | All Rights Reserved | Federally Insured by NCUA</p>
1844                    </div>
1845                    <div class="affiliates">
1846                            <img src="/public/library/img/equal-housing-opportunity-logo.svg" alt="Equal Housing Opportunity logo">
1847                    </div>
1848                </div>
1849
1850                <nav class="social-links">
1851                    <ul>
1852                            <li><a class="speedbump-link" href="https://www.facebook.com/Kinecta/" title="Follow us on Facebook"><i class="fab fa-facebook-f"></i></a></li>
1853                                                    <li><a class="speedbump-link" href="https://www.instagram.com/kinecta/" title="Follow us on Instagram"><i class="fab fa-instagram"></i></a></li>
1854                                                    <li><a class="speedbump-link" href="https://www.linkedin.com/company/kinecta-federal-credit-union" title="Follow us on LinkedIn"><i class="fab fa-linkedin-in"></i></a></li>
1855                                                    <li><a class="speedbump-link" href="https://www.tiktok.com/@kinecta" title="Follow us on TikTok"><i class="fab fa-tiktok"></i></a></li>
1856                                                    <li><a class="speedbump-link" href="https://twitter.com/Kinecta" title="Follow us on Twitter"><i class="fab fa-x-twitter"></i></a></li>
1857                                            </ul>
1858                </nav>
1859            </div>
1860        </div>
1861    </div>
1862</footer>
1863
1864
1865
1866
1867    <!-- Font Awesome -->
1868    <link rel="stylesheet" href="https://use.fontawesome.com/releases/v6.4.2/css/all.css" crossorigin="anonymous">
1869
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1870<script src="/bundles/js/main?v=BH61IUxJQGmeaEafXc5ML07_5hm4CufnxGsUoo_0LgU1"></script>
1870
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1873    
1874    
1874<script type="text/javascript" src="/Kentico.Resource/Activities/KenticoActivityLogger/Logger.js?pageIdentifier=809" async></script>
1874
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1876    
1876<script>
1877        jQuery(document).ready(function () {
1878            jQuery('.kentico-form-control').attr('style', '');
1879            jQuery('.kentico-form-control-clear').hide();
1880        });
1881
1882        /*
1883        jQuery(document).ready(function () {
1884            if (jQuery(window).width() < 751) {
1885                jQuery('#headerLogo').attr('width', '132');
1886                jQuery('#footerLogo').attr('width', '194');
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1888            else {
1889                jQuery('#headerLogo').attr('width', '250');
1890                jQuery('#footerLogo').attr('width', '233');
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1911    <div style="display: none;" id="speedbump-default-message" data-speedbump-message="You are continuing to a third-party website. Kinecta does not provide, and is not responsible for the products, services, security, or overall content available at this website. Please confirm the site&amp;rsquo;s identity and authenticity and review their Privacy Policy as it may differ from our Privacy Policy."></div>
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1913</html>

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