MyPlan Credit Card
- Spend within your means: your credit limit equals your security deposit
- Build your credit if you are just starting out
- Rebuild your credit after bumps in the road occur
Student Loans & Credit Cards
Need a student loan?
Whether you are paying for tuition, housing, or other school expenses, a private student loan is a competitive choice that could give you the funds to achieve your goals. The Custom Choice Loan® could help you realize your higher education dreams.
- Find your rate1 in minutes with no impact to your credit score
- Easily compare fixed and variable rates on undergraduate and graduate student loans
- Flexible repayment terms and options
- Returning Borrower2 Advantage - Returning borrowers may have their income verification waived3
- Returning undergraduate borrowers had a 91% recent approval rate when applying the following year with a cosigner4
Looking for Other Types of Credit?
Let's Connect
Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!
800.854.9846 Monday to Friday: 5am - 6pm Pacific, Saturday: 6am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)
Membership requirements apply.
Student Loans: Before applying for a private student loan, Kinecta Federal Credit Union, DR Bank and Monogram LLC recommend exhausting all financial aid alternatives including grants, scholarships, and federal student loans.
DR Bank and Monogram are not owned by, or affiliates of, Kinecta Federal Credit Union.
The Custom Choice Loan® is made by DR Bank, Member FDIC (“Lender”). All loans are subject to individual approval and adherence to Lender’s underwriting guidelines. Program restrictions and other terms and conditions apply. LENDER AND MONOGRAM EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
1In order to estimate your available rates and loan options, with your authorization, DR Bank will initiate a soft credit inquiry. Soft credit inquiries do not affect your credit. Any rates and loan options offered to you are estimates only.
2A Returning Borrower is a student applicant or a cosigner with either (a) a prior application that is awaiting school certification, or (b) a prior loan that has a disbursement scheduled or completed.
3Income verification will be waived for Returning Borrowers who report the same employer, employment status, singular income source and an annual income amount within 25% of the annual income amount previously verified from such income source on a prior application or loan with an income verified date within eighteen (18) months of the hard pull decision date of the new application. If more than one prior application or loan with an income verified date within eighteen (18) months of the hard pull decision date for the creditworthy applicant exists, the most recent qualifying application or loan will be used to verify income.
4You must submit a new application for a Custom Choice Loan each year. This approval percentage is based on undergraduate student borrowers with a Custom Choice Loan from 2022 who were approved again in 2023. Future approval rates can change.
Custom Choice Loan® is a service mark used under license.
5Debt Cancellation Protection. Available for personal credit cards and auto loans and is optional. Debt Cancellation will not affect your application for credit or the terms of any existing credit agreement with Kinecta. There are eligibility requirements and exclusions that could prevent you from receiving benefits under Debt Cancellation.
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Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.