Open a ProtectPlus™ checking account and skip your next auto loan payment!†

Para hablar con uno representante en español por favor llámenos al 800.914.7536.

1Estimated value based on approximate monthly cost or savings for similar marketplace benefits and subject to change. Benefits and features may vary and may not necessarily reflect exact features offered. No cash value implied with use of this account or its features. Savings from the Skip-A-Pay offer may not exceed the overall cost of your account.

2ProtectPlus Checking: Minimum opening deposit of $25.00 required. Benefits available only under the same membership. Checking account is dividend-bearing. For current dividends and corresponding Annual Percentage Yield (APY), refer to the Dividend Rate Sheet. New or renewing certificates are eligible for a rate increase, excluding all other promotions including, but not limited to, promotional certificates. Monthly fee of $9.95 can be waived by maintaining a $10,000 average monthly balance in your ProtectPlus™ checking account. Refer to Kinecta Federal Credit Union’s Agreements and Disclosures booklet and Consumer Schedule of Fees and Charges for additional terms and conditions such as fees, payment of dividends and other details applicable to your specific account. Terms and conditions subject to change.

†Skip-A-Pay Offer: Only one offer per member and limited to your current Kinecta auto loan. The standard $30.00 Skip-A-Pay fee is waived for members who meet eligibility requirements. All parties to the loan agreement must agree and sign the Skip-A-Pay Agreement. If you have multiple auto loans, offer shall only apply to the auto loan on which you are the primary account holder, with an unpaid principal balance greater than or equal to $1,000, a remaining term over 12 months, a minimum of 3 completed payments and with the highest payment amount. Offer subject to positive payment history, all Kinecta loans must be current and not in a current bankruptcy proceeding. Skipping a payment will not reduce the balance of your loan. Your final payment may be higher than your scheduled payment as a result of the daily accrual of interest. Finance charges and voluntary insurance will continue to accrue during “no-payment” deferral period, increasing the total finance charges borrower will pay over life of loan. Offer not valid to existing Kinecta ProtectPlus account holders or members whose checking accounts have been closed within 30 days or closed with a negative balance. Skip will be processed for the payment due the month following verification of eligibility and all parties to the loan agreement must agree and sign Skip-A-Pay Agreement.

‡2nd Skip-A-Pay offer: To receive offer, schedule and receive at least one direct deposit into your ProtectPlus checking account totaling $250.00 or more within 45 days of account opening. Direct deposit(s) include ACH deposits.

IMPORTANT NOTE: You must continue to make your auto loan payment until we confirm your Skip-A-Pay has been processed. If an existing automatic payment is debited from a Kinecta share or account, the payment(s) for that month will be skipped during the Deferral period. If you are enrolled in automatic payment (including ACH payments) or make your payments from another financial institution, you will need to contact that institution and pause this/these payment(s) during the Deferral Period. Offer is non-transferable and expires 11/19/2025. Offer subject to change or end at any time without notice.