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Your dreams start today.

You already know that you want to retire living a life of luxury and it's never too early to start learning ways to become financially savvy. Our friendly and supportive branch bankers are happy to start the conversation and work with you at your own pace. If you are self-motivated, we offer workshops and online tutorials to get you started.

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!

800.854.9846  Monday to Friday: 5am - 6pm Pacific, Saturday: 6am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

Membership requirements apply.

*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.

1Before 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.

Mastercard and the Mastercard brand mark are registered trademarks.