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Student Loans & Credit Cards

MyPlan Credit Card

  • Spend within your means: your credit limit equals your security deposit
  • Build your credit if you are just starting out
  • Rebuild your credit after bumps in the road occur

Standard Features

  • Mastercard ID Theft ProtectionTM
  • Chip technology
  • Travel alerts
  • Emergency replacement
  • Cash advances, and more

Zero Liability

You are not liable for any unauthorized debit card transactions or ATM withdrawals when you notify us promptly at 800.854.9846. 

Instant Issue

Left your credit card at a bar or restaurant?

Lose your purse or wallet? 

Stop by a local branch and we’ll issue you a new card on the spot.

Digital Wallet

Compatible with the payment platform on your smart phone

  • Apple Pay
  • Google Pay
  • Samsung Pay

Private Student Loans1

Private Student Loans are available exclusively to Kinecta members. Our easy online application can be completed in just 15 minutes. This loan offers:

  • Flexible payments, include active enrollment deferrals
  • Exceptionally competitive rates and terms
  • Co-signer options

Let's Talk

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: 7am - 6pm Pacific, Saturday: 9am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

Looking for Other Types of Credit?

No Fee Credit Card

Tired of banks “nickel and diming” you? 

Our MyPower no fee card doesn’t. Zip. Nada. Zilch.

Auto Loan

Get great rates when you finance (or refinance) your new or used car, truck, or motorcycle through Kinecta.

Personal Loan

Kinecta’s Signature loan and line of credit let you borrow your way. With a choice of fixed and adjustable rates, you can choose what works best for you.

*APR = Annual Percentage Rate is variable and subject to change.

Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated.

1Private Student Loans. Also known as Private Education Loans under Regulation Z. Kinecta Federal Credit Union is an Equal Opportunity Lender. Private Student Loan Program is subject to change without notice. Subject to credit approval of borrower and/or co-borrower. Rates, loan amounts, and terms are based on standard underwriting factors.

To be eligible for this loan program, student must be a member of Kinecta Federal Credit Union. If the student is not currently a member, (s)he must provide a valid membership number before funds may be disbursed. Kinecta holds membership applications until loan is approved and accepted. Kinecta will mail membership ID and account disclosures. 

2Debt Cancellation Protection. Available for personal credit cards and auto loans and is optional. Debt Cancellation will not affect your application for credit or the terms of any existing credit agreement with Kinecta. There are eligibility requirements and exclusions that could prevent you from receiving benefits under Debt Cancellation.

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