Kinecta – Credit Union Personal Loans

*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.

1Signature Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $100,000.00. Monthly payments at 7.49% APR (after automatic payment discount applied) over a 84-month term are estimated at $20.03 per $1,000 as of today's date.

3Student 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.

4Signature Personal Line of Credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum line amount is $100,000.00. Variable APR based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate.

Minimum Periodic Payment & Fees. Minimum periodic payment for lines of credit is 4% of the outstanding loan balance as of the date the billing cycle closes; however, it will not be less than $30.00 or the balance due, whichever is less. If the minimum periodic payment is more than 15 days late, a late charge of $20.00 will be assessed.

Overdraft automatic transfers. If enrolled, the trương mục will be subject to the interest rate on the loan.

5Secured Installment Loan. Installment periods vary. Rates are subject to change. The amount of the loan is limited to the amount of funds held in your share savings trương mục or share certificate. If you default on your installment loan, the funds from your savings trương mục or certificate will be used to repay the outstanding balance on your trương mục, and you may be subject to an early withdrawal penalty on your certificate.

6Secured One-Time Pay Loan. Payment is due in one lump sum the month following loan funding. Rates are subject to change. The amount of the loan is limited to the amount of funds held in your share savings trương mục or share certificate. If you default on your one-time pay loan, the funds from your savings trương mục or certificate will be used to repay the outstanding balance on your trương mục, and you may be subject to an early withdrawal penalty on your certificate.