Tic Federal Credit Union
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Tic Federal Credit Union
When you open a checking account with Kinetic, you can protect your finances and save on everyday purchases. When you become a member of Kinetic Credit Union, you can immediately begin enjoying some of our benefits for new members. We believe in giving back and supporting the communities we're a part of by donating time, talents and money to local organizations.
Services
Kinetic Checking is designed to keep your family finances safer while you take advantage of smart discounts on financial services and everyday purchases. Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended Warranty extends the U.S. manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years.
You and your teen will have the ability to manage and monitor the account from our online banking or mobile app, allowing your teen to categorize their spending and set budgeting goals. Overdraft protection is available at no charge from the available funds in the Savings account. Your teen's smartphone and the Kinetic Mobile Banking App make account management and budgeting simple.
There are several Kinetic Savings account options so you can find one that fits your needs. All members open a Regular Savings account upon joining Kinetic Credit Union. A minimum deposit of $25 is maintained in this account and serves as your share ownership in the credit union. This special account is just for kids age 12 and younger.
Open a Save to Win account for a chance to win monthly and quarterly prizes. This 12-month certificate savings account will not only help you save big but gives you a chance to win big too. Every $25 you deposit into this account will earn you a chance to win monthly and quarterly prizes. A: Save to Win is a prize-linked savings account that offers the chance to win prizes in addition to earning regular interest.
Whether you're saving for short- or long-term needs, certificate accounts offer a great way to save for the future. Owning a home just got easier thanks to Kinetic's First-time Homebuyer Certificate. If you have started looking for a new home or saving for a down payment, Kinetic's First-time Homebuyer certificate is the perfect way to maximize your savings.
Reviews (23)
John Arnold
John Arnold
Jun 19, 2021
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Very poor service. They want you to use nothing but machines instead of interaction with someone when dealing with loans. Highly do not recommend using them for any needs.
Mary Charlot
Mary Charlot
Nov 18, 2020
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Since so much is automated I was pleasantly surprised at the customer service I received. Everyone from start to finish of my transaction was very helpful friendly and efficient. Every step was clearly explained throughout the entire process. Will definitely use Kinetic for any other financial needs.
AmberGlow M.
AmberGlow M.
Oct 20, 2020
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Today l Signed back with one of the best banks, I've been with so far. I didn't know about making an appointment as I say out of the bank. I was able to call set up a appt. and within 10 minutes a nice representative called and accept my appt then and there. Now When in college early 20's, I was irresponsible and messed up my account, Long story short paid the charge off and open an account all within 20 min. COVID pre-cautions were taken seriously and I felt safe while opening my account. Love the perks and offers they have as well, glad to be back!!!
Shadow Conbanrio
Shadow Conbanrio
Oct 13, 2020
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My wife and I have been banking with Kinetic for quite a few years now, and we have had nothing but pleasant experiences. I've been with a number of banks over the course of my life, and none have treated me as phenomenally as Kinetic. I highly recommend them for all your banking needs.
Jasmine Bell
Jasmine Bell
Jul 21, 2020
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China was great! She was patience and kind. She assisted me through downloading the Kinetic app and eClub! Who would have thought I could save on Chuck E. Cheese just for banking with Kinetic :) She was Awesome 👍🏾
Chance Corbett
Chance Corbett
Jul 14, 2020
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Had a great experience today. Started a small loan application for a vehicle for my son but I got distracted by a phone call. Later, Hannah Miller called and was able to finish the application and had it funded as soon as I signed the papers. Great to work with.
Lisa Burditt
Lisa Burditt
Jun 20, 2020
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We have taken out 2 loans in the past year. Both times we went through Hannah Miller. To say she made the loan process EXTREMELY easy is quite an understatement. The first loan was done literally in like less than an hour from start to finish. The auto loan we took out last week was done in a day. She even called someone at a dealership she knew, told them what we were approved for, and when we went there he had a vehicle waiting on my husband that my husband fell in love with. So if you every need anything go through Hannah and Kinetic, I've been with them 14-15 years and don't regret one minute
Charles H.
Charles H.
Apr 22, 2020
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Total liars and crooks! I lost my job and we made a formal settlement agreement. They continue to target my credit report showing a monthly charge off and late payments for a year now. AVOID THESE CROOKS AT ALL COSTS!!! Total liars!!
Doug P.
Doug P.
Nov 13, 2019
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I have been a member of Kinetic for 35 Years and they have been the best! Staff is always friendly and helpful. I would highly recomend them! I love my Kinetic Checking. Lots of great features. They also have Drive-thru hours untill 7 pm. This is great for me when I have to work late.
Victoria J.
Victoria J.
Oct 11, 2019
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I had a very pleasant experience with Michelle today! She was able to open me an account with ease. Highly recommend this credit union to anyone!
Luke L.
Luke L.
Sep 25, 2019
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Sandra was extremely helpful with our needs. She was kind and courteous the entire time. We were able to get exactly what we needed in a timely fashion.
Julie Roop
Julie Roop
Aug 02, 2019
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The customer service received through Kinetic is simply awesome! You are not viewed as "just another customer" or "number". Each time I have come in contact with a staff member, they are always smiling and greet you like you truly matter. Recently, I refinanced my vehicle through Kinetic and had the absolute pleasure of doing business with LaDarin Mack. LaDarin went above and beyond to assist me, answered all my questions (if he did not know the answer; he seeked out the answer immediately) and followed up with me after the closing. LaDarin is extremely friendly, knowledgeable, patient and kind
Matthew Littleton
Matthew Littleton
Jul 17, 2019
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The worst Treatment to me and my fiancé by a man named Alex he deals with loans. The only reason he talks to people and treats people the way he does is because he is over a phone. I will be following up on complant tommorow during business hours. But this man was so rude and disrespectful. I would never go there for any reason only because this company allows a man behind a phone to treat people the way he has. Can the owner please re email me so I can respond and leave number. The last email will not let me reply.
Jeremy D.
Jeremy D.
Apr 26, 2019
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Stupidest bank ever. They only accept payments in cash for your loans. So even though I live in Atlanta, I have to drive down here to pay it. The "due" balances on their app are off due to "daily accruing interest" which you can't contest even when you're trying to pay off the balance completely. To top it off, all of their transactions are through an awkward Skype chat style monitor where there's a weird lag between you and the teller. I'm all for tech banking but if you're going to do it, do it better than this. Smh.
Kasey G.
Kasey G.
Mar 11, 2019
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I really dig kinetic! I've been wanting to switch to a credit union ever since the Wells Fargo/Standing rock and the BOA drama, and finally did! I like that I know that my money is staying in my community and not finding any big business corruption or politics. Upon entering a branch for the first time, I was kindly greeted by a customer service representative. I was really surprised at how nice and modern the facilities appeared as well as the various benefits of being a member of the credit union. The only reason I'm giving 4 stars instead of 5 is because of the technology. I feel the
Zachery E.
Zachery E.
Feb 25, 2019
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Horrible customer service, woman at front door horrible customer service skill nasty disposition after interaction, that's why I would never bank with this institution again...
Joyce C.
Joyce C.
Dec 17, 2018
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Horrible, horrible, horrible customer service. The website is awful. The customer service is awful. I've been trying for two weeks to make a car payment and now its one day before the payment is due and I still can't figure out how to do it and customer service this far has been no help. I'm not putting money in their checking account in order to make a car payment. I didn't authorize them to open a checking account in my name yet, I seem to have one. How did that happen and why? What a joke.
Stephanie D.
Stephanie D.
Apr 04, 2018
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When I call, I have to wait on hold for a very long time. Add that when I do get a person to talk to, they are completely monotone and do not sound very happy to be helping you. It sounds like they are always in a bad mood...not very good customer service.

Also, many years ago, I made a final payment for a car loan. I asked them to give me the amount and I wrote the check. I accidently left off ONE penny. I did not even realize it. I started getting past due letters on the ONE cent that was left on the account. When I called them and asked about it, they made me pay the one cent. Can you
Antwon M.
Antwon M.
Nov 23, 2017
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Kentic is a fraud bank they allow people to charge things online with out putting the correct billing address. When you dispute the charges they tell you theres nothing more they can do its up to the company where your card was charged if they want to take responsibility for it then you will get your money back.
KayyJayy J.
KayyJayy J.
Sep 20, 2017
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This Is Probably By Far The WORST Bank Ever. How Are They Able To HOLD Your Money Because You Supposedly Owe Them $50 On Your Lease. I'm Withdrawing EVERYTHING As Soon As I Can Get Access To My Funds. I'm Going Back To Suntrust
Genny A.
Genny A.
Apr 28, 2017
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I've had nothing but problems from day 1.
Kinetic "won" my car loan, which means that's who the dealer chose to go with. They assign you a loan account and a savings account. You cannot pay with any other account or method other than funneling money into the savings account or going in and paying in person, or else you will pay "convenience" fees.
It was suggested by the bank manager that I could use something called "Pop money," but even she couldn't get it to work. Months later, their IT people have not gotten back to me. I'm "not eligible
Chip T.
Chip T.
Dec 27, 2016
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I have nothing but praise for Kinetic. I have used this branch and the one on Veterans. I have a little boy that they love to see and get hugs from. I even get into trouble if I don't bring my little one. The will watch him while I do what I need. He knows where the suckers are and they are always willing to give him one for each hand.
Airiel G.
Airiel G.
Nov 03, 2015
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Great bank "if you like them to lose your money and put you in collections." I have been with several banks and this is by far the worst. I have been with Kinetic for about 5 months and have had many problems. First I used their "Switch Agent" to make switching my bills easier, big mistake. After wasting a day filling out info on their website they never switch most of my bills causing me to go in to collections. No one ever called or email me to follow up as promised. After straightening out that mess out myself, I received a notice about 3 months later from one of my credit