The Kinecta Federal Credit Union is a home equity line of credit from Kinecta Federal Credit Union. The ongoing APR is 7.625% APR after 6 months (as low as); variable, Prime plus margin; rate and APR range 4% minimum to 18% maximum (Prime 7.000% as of 9/17/2026) after a As low as 5.990% APR for 6 months introductory rate for 6 months. Typical credit limit: Minimum $25,000 and maximum $500,000. Loan terms: 10-year draw period followed by a 20-year repayment period.