Kinecta Credit Union - New York, NY Statewide Branches

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Branch	Address	View Lobby Hours
Branch 55	1560 W Ridge Rd, Rochester, NY 14615	View Lobby Hours
Branch 50	800 Phillips Rd, Webster, NY 14580	View Lobby Hours
Branch 53	100 S Clinton Ave # XRX2-CONC, Rochester, NY 14604	View Lobby Hours
Branch 52	189 W Main St, Webster, NY 14580	View Lobby Hours
Branch 51	1425 Jefferson Rd, Rochester, NY 14623	View Lobby Hours
Branch 61	3330 Monroe Ave, Rochester, NY 14618	View Lobby Hours

Reviews on Kinecta

BTM1st | Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriately credit anything is the worst I've seen. Reaching a person is near impossible. Trying their phone line will take you ten minutes of answering robo-call questions. I HIGHLY recommend that you find someone else that actually can help, provides a modicum of service and doesn't charge a fee for anything and everything. Horrible service and support from everyone!

Idamaria1 | Mar 2, 2021

Kinecta is a horrible banking system. They charge you illegal fees. They have poor communication and should be closed down for fraud.

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1945532	6.139%	6.000%	0.50	$4,800	$1,919	Learn More
NMLS ID: 2578474	6.240%	6.125%	0.88	$3,930	$1,945	Learn More
NMLS ID: 1522344 License#: 1522344	6.458%	6.375%	0.88	$2,787	$1,997	Learn More
NMLS ID: 1025894	6.569%	6.490%	0.63	$2,633	$2,021	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 10.375 % After Intro: 10.375 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

Kinecta Credit Union - New York, NY Statewide Branches

Reviews on Kinecta

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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