Credit union · NCUA insured
Kinecta Credit Card Rates
Kinecta credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Kinecta’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Kinecta has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Kinecta
11.74%APR
- Up to
- 18.25% APR
MyPower
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
Kinecta credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kinecta ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MyPerks
Rates vary based on creditworthiness and Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | When you open your account, based on your creditworthiness. Variable based on Prime Rate. |
| Intro, 6 months | 0.00% | None | Introductory APR for balance transfers for a period of six billing cycles; applies to transactions posted during the first 90 days following account opening. |
| Ongoing | 15.49%–18.00% | None | When you open your account, based on your creditworthiness. Variable based on Prime Rate. |
Sources (1)
- kinecta.org/getmedia/49a8da63-…itation_Disclosure_1.pdf · captured Oct 16, 2026
MyPlan Secured
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | $25 | This APR will vary with the market based on the Prime Rate. |
Sources (1)
- kinecta.org/getmedia/49a8da63-…itation_Disclosure_1.pdf · captured Oct 16, 2026
MyPower
Rates vary based on creditworthiness and Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–18.00% | None | When you open your account, based on your creditworthiness. Variable based on Prime Rate. |
| Intro, 12 months | 5.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted during the first 90 days following account opening. |
| Ongoing | 13.49%–18.00% | None | When you open your account, based on your creditworthiness. Variable based on Prime Rate. |
Sources (1)
- kinecta.org/getmedia/49a8da63-…itation_Disclosure_1.pdf · captured Oct 16, 2026
Who can join Kinecta
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.