The Kinecta Federal Credit Union is a personal loan from Kinecta Federal Credit Union. The ongoing APR is Rates from 9.74% - 18.00% APR (rates effective September 22, 2026; lowest rate includes a 0.25% discount for automatic payments from a Kinecta account). Typical credit limit: $1,000 to $50,000. Loan terms: Terms up to 84 months (minimum repayment term 12 months; maximum term dependent on loan amount).