Personal Lending1
Choose a Signature Loan with low fixed payments. Or, try our Signature Line of Credit where you only pay for what you use.
Kinecta wants to help you live your best life. Sometimes, that means spending beyond what you want to pay for with cash. With a variety of financing options, we can help you find the account that fits your needs – not ours.
Types of Lending Available
Other Products & Services
Business Lending
In addition to personal financing, Kinecta offers a suite of commercial lending products to help our entrepreneurial members build financially successful businesses. From our MyPro cash-back credit card to SBA5 loans to commercial real estate, we offer rates far below the national average. If you want to increase your profit margins, talk to us.
Let's Connect
Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!
888.954.6328 Monday to Friday: 5am - 6pm Pacific, Saturday: 6am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)
Featured News
Protect Your Accounts with An Authenticator App
Multifactor authentication is a security feature that requires you to verify your identity in multiple ways before accessing an account.
A message from Keith Sultemeier, President and Chief Executive Officer
Kinecta's President & CEO discusses how credit unions’ tax-exempt status is vital for Americans and how you can help.
Kinecta Celebrated 2025 Random Acts of Kindness Week
Kinecta conducted a full week of acts of goodwill and positivity in celebration of the 2025 Random Acts of Kindness (RAK) Week.
*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated.
1Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $100,000.00 per qualifying member.
2Vehicle Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. The value of a new vehicle is determined by MSRP and the value of a used vehicle is determined by Retail Kelley Blue Book.
Student Loans. Before applying for a private student loan, Kinecta Federal Credit Union, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.
Citizens and Cognition Financial are not owned by, or affiliates of, Kinecta Federal Credit Union.
The Custom Choice Loan® is made by Citizens (“Lender”). All loans are subject to individual approval and adherence to Lender’s underwriting guidelines. Program restrictions and other terms and conditions apply. LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
Custom Choice Loan® is a service mark used under license. Citizens is a brand name of Citizens Bank, N.A. Member FDIC.
5SBA. Kinecta is a Small Business Administration (SBA) preferred provider.
6Kinecta mortgage loans. Offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.
7AutoSmart. AutoSmart is not a service provided by Kinecta Federal Credit Union. Service is administered by Credit Union Direct Lending (CUDL). The CUDL network connects credit unions with dealerships in 49 states including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, North Carolina, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.