Last Updated: 07/28/2025
Kinecta Federal Credit Union MyPlan Secured Card
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
Up to $25
Kinecta Federal Credit Union MyPlan Secured Card Review
This is a secured credit card issued by Kinecta Federal Credit Union. If you're wondering whether Kinecta Federal Credit Union MyPlan Secured Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 18%
- A 3% balance transfer fee. Kinecta Federal Credit Union MyPlan Secured Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Kinecta Federal Credit Union MyPlan Secured Card
| The Good | The Bad |
|
|
Kinecta Federal Credit Union MyPlan Secured Card FAQ
Does Kinecta Federal Credit Union MyPlan Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Kinecta Federal Credit Union MyPlan Secured Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Kinecta Federal Credit Union MyPlan Secured Card has a variable purchase APR of 18%. The card has a variable balance transfer APR starting at 18% . It also has a variable cash advance APR starting at 18% .
Does Kinecta Federal Credit Union MyPlan Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Kinecta Federal Credit Union MyPlan Secured Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Kinecta Federal Credit Union MyPlan Secured Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 - $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of up to $25.
Does Kinecta Federal Credit Union MyPlan Secured Card have a foreign transaction fee?
Kinecta Federal Credit Union MyPlan Secured Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Kinecta Federal Credit Union MyPlan Secured Card?
The customer service number for Kinecta Federal Credit Union MyPlan Secured Card is .
What is the support contact email for Kinecta Federal Credit Union MyPlan Secured Card?
The support contact email for Kinecta Federal Credit Union MyPlan Secured Card is info@kinectawealth.org.
What is the login page for Kinecta Federal Credit Union MyPlan Secured Card?
You can access the login page of Kinecta Federal Credit Union MyPlan Secured Card here.
How do people rate the customer service and user experience of Kinecta Federal Credit Union MyPlan Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Kinecta Federal Credit Union MyPlan Secured Card report your account activity to credit bureaus?
Yes, Kinecta Federal Credit Union MyPlan Secured Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Kinecta Federal Credit Union perform a hard credit pull?
Yes, Kinecta Federal Credit Union MyPlan Secured Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Kinecta Federal Credit Union MyPlan Secured Card
- Visit the website of Kinecta Federal Credit Union MyPlan Secured Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 2:00PM