The Kinecta Federal Credit Union is a personal credit card from Kinecta Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 11.49% to 18.00% variable for purchases (based on creditworthiness; information accurate as of January 02, 2026) after a 5.99% APR on balance transfers for 12 billing cycles introductory rate.