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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

Need a student loan?

Whether you are paying for tuition, housing, or other school expenses, a private student loan is a competitive choice that could give you the funds to achieve your goals. The Custom Choice Loan®, powered by Cognition, could help you realize your higher education dreams. 

  • Prequalify1 in minutes with no impact to your credit score
  • Easily compare fixed and variable rates on undergraduate and graduate student loans
  • Flexible repayment terms and options
  • Returning Borrower2 Advantage - returning borrowers will have their new application pre-filled and income verification waived3
  • Returning undergraduate borrowers had a 94% recent approval rate when applying the following year with a cosigner4

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.)

Looking for Other Types of Credit?

No Fee Credit Card

Tired of banks “nickel and diming” you? 

Our Mastercard MyPower credit 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.

Membership requirements apply.

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.

1In order to estimate the rates and loan options you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Citizens may perform a hard credit inquiry, as authorized by you. Loan approval, options, and final rate depend on the verification of information provided on your application, and information obtained from the credit inquiry(ies) [and any cosigner’s credit inquiry(ies)].

2A Returning Borrower is a student applicant or a student applicant and cosigner combination with either (a) a prior application that is awaiting school certification, or (b) a prior loan that has a disbursement scheduled or completed.

3Income verification will be waived for Returning Borrowers who report the same employer, employment status, singular income source and an annual income amount within 25% of the annual income amount previously verified from such income source on a prior application or loan with an income verified date within eighteen (18) months of the hard pull decision date of the new application. If more than one prior application or loan with an income verified date within eighteen (18) months of the hard pull decision date for the creditworthy applicant exists, the most recent qualifying application or loan will be used to verify income.

4You must submit a new application for a Custom Choice Loan each year. This approval percentage is based on undergraduate borrowers with a Custom Choice Loan from 2020 who were approved again in 2021. Future approval rates can change.

Custom Choice Loan® is a service mark used under license. Citizens is a brand name of Citizens Bank, N.A. Member FDIC.

5Debt 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.

All third-party trademarks referenced herein are the property of their respective owners.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.