The Kinecta Federal Credit Union is a personal line of credit from Kinecta Federal Credit Union. The ongoing APR is Rates from 10.49% - 18.00% APR, variable, based on The Wall Street Journal Prime Rate plus a margin (rates effective September 22, 2026). Typical credit limit: $1,000 to $50,000. Loan terms: Minimum periodic payment is 4% of the outstanding loan balance at billing cycle close, not less than $30.00 or the balance due, whichever is less.