Kinecta Federal Credit Union Refinancing? Click here to check our rates       INTRODUCTION   COMMUNICATE   SHARE FINANCIALS   SET GOALS   CREATE A SPENDING PLAN   MERGE ACCOUNTS   REVIEW BENEFICIARIES   REFINANCE • Three factors typically affect loan interest rates: Market conditions The lender Your credit history Since your credit union is a not-for-profit cooperative, it returns any earnings to members like you through lower loan rates.

© 2003-2012 Credit Union National Association Inc.