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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 gives you the funds to achieve your goals. The Custom Choice Loan®, powered by Cognition1, could help you realize your higher education dreams. Now through November 14, 2021, interest rates are reduced by 0.50% on new Custom Choice Loans!2

  • Check your rate in minutes with no impact to your credit score3
  • Easily compare fixed and variable rates
  • Available for undergraduate or graduate students
  • Flexible repayment terms and options

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: 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 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.

1Student 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.

2Offer valid for new Custom Choice Loans for which applications are submitted between 12:00:00am EST on October 1, 2021 and 11:59:59pm EST on November 14, 2021. A 0.50% interest rate reduction will be included in the loan options presented during the online application process. The interest rate reduction will be applied as of the first disbursement date and will be effective for the life of the loan.

3In order to provide you with a range of rates 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 will perform a hard credit inquiry. Loan approval, options, and final rates depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner’s hard credit inquiry).

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

4Debt 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.