Last Updated: 07/28/2025
Kinecta Federal Credit Union MyPower
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.24% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.24% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
$0
Kinecta Federal Credit Union MyPower Review
This is a secured credit card issued by Kinecta Federal Credit Union. If you're wondering whether Kinecta Federal Credit Union MyPower is the right card for you, read on.
Key Takeaways
- APRs: Kinecta Federal Credit Union MyPower has a variable regular purchase APR that ranges from 12.24% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Kinecta Federal Credit Union MyPower
| The Good | The Bad |
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Kinecta Federal Credit Union MyPower FAQ
Does Kinecta Federal Credit Union MyPower have a cash back or rewards program?
No, it does not offer a rewards program. This card features rewards for purchases in the following categories:
- Software, Hardware, Cloud
| Description |
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Kinecta Federal Credit Union MyPower?
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 MyPower has a variable purchase APR that ranges from 12.24% up to 18%. The card has a variable balance transfer APR that ranges from 12.24% up to 18%. It also has a variable cash advance APR that ranges from 14.24% up to 18%.
Does Kinecta Federal Credit Union MyPower have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.24% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Kinecta Federal Credit Union MyPower 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 MyPower?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $0 . Does Kinecta Federal Credit Union MyPower have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Kinecta Federal Credit Union MyPower?
The support contact email for Kinecta Federal Credit Union MyPower is info@kinectawealth.org.
How do people rate the customer service and user experience of Kinecta Federal Credit Union MyPower?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Kinecta Federal Credit Union MyPower report your account activity to credit bureaus?
Yes, Kinecta Federal Credit Union MyPower 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 MyPower 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 MyPower
- Visit the website of Kinecta Federal Credit Union MyPower.
- 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
Other Services by Kinecta Federal Credit Union
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Other Credit Cards from Kinecta Federal Credit Union
Rating not yet determined
Purchase APR
14.24% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.24% - 18%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 18%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
Up to $25
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Learn MoreSuperMoney Net Recommendation Score
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