The Kinecta Federal Credit Union All Credit Levels is a cdfi lender from Kinecta Federal Credit Union. The annual fee is $0. The ongoing APR is 4% minimum to 18% maximum. Approval typically requires a credit score of Not specified or higher. Rewards: Earn 3% on fuel, electric vehicle charging stations, dining and groceries. Earn 1% on all other eligible net purchases.. Typical credit limit: $1,000 - $50,000. Loan terms: This program includes a 10-year draw period followed by a 20-year repayment period.. This product reports activity to your personal credit report. Kinecta Federal Credit Union is a member-focused financial institution based in Manhattan Beach, CA, offering a range of personal and business banking services. They serve a diverse community, providing tailored financial solutions to individuals and businesses in California. Services include: personal loans, auto loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Manhattan Beach, CA. Membership required.