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Kinecta Federal Credit Union

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Kinecta Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Kinecta Federal Credit Union?

Yes, to access services at Kinecta Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kinecta Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Kinecta Federal Credit Union's Personal Loan Rates are as low as 9.74%. Kinecta Federal Credit Union's Credit Card Rates are at 5.99%. MonitorBankRates evaluates the financial stability of Kinecta Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.42%. Rates last updated and verified on 09/23/2026.

Kinecta Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Kinecta Federal Credit Union? Share your experience about Kinecta Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Kinecta Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.42%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Kinecta Federal Credit Union
Kinecta Federal Credit Union

1440 Rosecrans Ave
Manhattan Beach, CA 90266

https://www.kinecta.org

Kinecta Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	5.99%
Details FICO / CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	5.99%	>6070
Details FICO / CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	5.99%	>7080
Details FICO / CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.49%	>8085
Details FICO / CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.49%
Details FICO / CLTV: 680719 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.49%	>6070
Details FICO / CLTV: 680719 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.49%	>7080
Details FICO / CLTV: 680719 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.87%
Details FICO/CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.87%	>6070
Details FICO/CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	6.87%	>7080
Details FICO/CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.12%
Details FICO/CLTV: 720749 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.25%	>6070
Details FICO/CLTV: 720749 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.37%	>7080
Details FICO/CLTV: 720749 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.37%
Details FICO/CLTV: 680719 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.50%	>6070
Details FICO/CLTV: 680719 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.63%	>7080
Details FICO/CLTV: 680719 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.63%
Details FICO / CLTV: >=750; <=60 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.75%
Details FICO / CLTV: >=750; >6070 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.88%	>8085
Details FICO/CLTV: >=750 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	7.88%
Details FICO / CLTV: >=750; >7080 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.00%
Details FICO / CLTV: 720749; >6070 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.13%	>8085
Details FICO/CLTV: 720749 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.13%
Details FICO / CLTV: 720749; >7080 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.25%
Details FICO / CLTV: 680719; >6070 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.38%
Details FICO / CLTV: 680719; >7080 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.63%
Details FICO / CLTV: >=750; >8085 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Home Equity	-	-	8.88%
Details FICO / CLTV: 720749; >8085 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%

Kinecta Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto & Vehicles	-	-	6.24%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
New Auto Loan	-	-	6.24%
Details As Low As; New Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Used Auto & Vehicles	-	-	6.74%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Used Auto Loan	-	-	6.74%
Details As Low As; Used Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Used Auto & Vehicles	-	-	6.80%
Details As Low As; Used Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Used Auto Loan	-	-	6.80%
Details As Low As; Used Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
New Auto & Vehicles	-	-	7.05%
Details As Low As; New Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
New Auto Loan	-	-	7.05%
Details As Low As; New Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
New Auto & Vehicles	-	-	8.09%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
New Auto Loan	-	-	8.09%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Used Auto & Vehicles	-	-	8.49%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
Used Auto Loan	-	-	8.49%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%

Kinecta Federal Credit Union Credit Card Rates

Product	Rate	APR
MyPower Credit Card	-	5.99%
Details Balance Transfer Offer; After the intro period, the rate will convert to our standard variable APR. Kinecta APRs won't exceed 18%. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
MyPerks (Rewards) Credit Card	-	13.49%
Details Annual Fee: $0 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%
MyPro (Business) Credit Card	-	13.49%
Details Annual Fee: $0 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%

Kinecta Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans & Lines - Loan	9.74%
Details Rates from 9.74% - 18.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%

Kinecta Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Line of Credit	-	-	10.49%
Details Rates from 10.49% - 18.00% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.42%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Kinecta Federal Credit Union’s Texas Ratio fell from 4.13% in Q2 2023 to 3.42% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$6.4B	3.42%	5.0	A+
December 31, 2025	$6.5B	3.49%	5.0	A+
September 30, 2025	$6.5B	3.77%	5.0	A+
June 30, 2025	$6.4B	3.22%	5.0	A+
March 31, 2025	$6.6B	3.57%	5.0	A+
December 31, 2024	$6.7B	4.49%	5.0	A+
September 30, 2024	$6.7B	4.20%	5.0	A+
June 30, 2024	$6.8B	3.96%	5.0	A+
March 31, 2024	$6.8B	3.51%	5.0	A+
December 31, 2023	$6.8B	3.75%	5.0	A+
September 30, 2023	$6.8B	3.95%	5.0	A+
June 30, 2023	$6.7B	4.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Kinecta Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Kinecta Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Kinecta Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kinecta Federal Credit Union

Website https://www.kinecta.org

Address 1440 Rosecrans Ave, Manhattan Beach, CA 90266

Phone 310-643-2045

Fax 310-727-8220

President Suzanne Curtin

CEO Keith Sultemeier

Full-Time Employees 663

Part-Time Employees 19

Branch Locations 24

ATM Locations 24

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.42%

Return on Assets (ROA)

0.0830%

Return on Equity (ROE)

0.9185%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

6,443,715,004

Total Amount of Shares and Deposits

5,720,278,440

Total Shares and Deposits < 1 Year

5,579,833,459

Total Shares and Deposits 1 3 Years

123,502,845

Total Shares and Deposits > 3 Years

16,942,135

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

490,568,603

Total Uninsured Shares and Deposits > $250K (F+J)

490,568,603

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,229,709,837

Total Interest Expense (Sum of items 6 8)

32,195,539

Share Certificates

55,558

Number of Accounts for Share Drafts

125,742

IRA KEOGH Accounts

10,523

Number of Accounts for Regular Shares

243,798

Money Market Shares

29,872

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

195,904,403

Total Liabilities

5,873,074,856

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Kinecta Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Kinecta Federal Credit Union

How many branches does Kinecta Federal Credit Union operate?

Kinecta Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Kinecta Federal Credit Union?

Yes, to access services at Kinecta Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Kinecta Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kinecta Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Kinecta Federal Credit Union offer online and mobile banking?

Most modern institutions like Kinecta Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kinecta.org.