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Kinecta Federal Credit Union auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with Kinecta Federal Credit Union. To apply, visit kinecta.org.

California, New York · Headquarters California

Membership required (Southern California and Rochester, NY area credit union)

Rate page on kinecta.org

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car loans · 1 rate

with autopay

7.55%NewTerm not listed

CA · NY

The source does not assign this APR to a term.

What the lender published

APR as low as; includes a 0.25% discount for automatic payment from a Kinecta account (0.25% higher without it). Terms up to 84 months, but the rate table does not assign a term. Rates effective November 2, 2026.

Checked Nov 11, 2026Source kinecta.org

UsedUsed car loans · 1 rate

with autopay

7.30%UsedTerm not listed

CA · NY

The source does not assign this APR to a term.

What the lender published

APR as low as; includes a 0.25% discount for automatic payment from a Kinecta account (0.25% higher without it). Terms up to 84 months, but the rate table does not assign a term. Rates effective November 2, 2026.

Checked Nov 11, 2026Source kinecta.org