{"data":{"path":"kinecta-credit-union/myperks-mastercard","artwork":{"path":"kinecta-credit-union/myperks-mastercard","url":"/v1/product-artwork/kinecta-credit-union/myperks-mastercard/153cfe049b27da03659347fbae76d057bdc9ea1f5ccf8cb6f621f503166ef355.webp","sha256":"153cfe049b27da03659347fbae76d057bdc9ea1f5ccf8cb6f621f503166ef355","width":160,"height":101,"sourceUrl":"https://www.kinecta.org/getmedia/06af25d6-70bf-4e0d-9752-191bb54c0e36/MyPerks-0126_exp-1226","sourcePageUrl":"https://www.kinecta.org/credit-card/myperks","capturedAt":"2026-10-14T18:37:21.056Z"},"name":"MYPERKS MASTERCARD","officialName":"KINECTA MYPERKS MASTERCARD®","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Kinecta Credit Union","handle":"kinecta-credit-union"},"institution":{"name":"Kinecta Credit Union","handle":"kinecta-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2464","offerKind":"standard","channel":null,"nameAsFiled":"KINECTA MYPERKS MASTERCARD®","handle":null,"terms":{"productId":"3648","path":"kinecta-credit-union/myperks-mastercard","name":"MYPERKS MASTERCARD","officialName":"KINECTA MYPERKS MASTERCARD®","aliases":[],"institutionId":"74875","institutionName":"Kinecta Credit Union","institutionHandle":"kinecta-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1424,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1424,"purchaseRegularMaxBps":1800,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1424,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1424,"balanceTransferRegularMaxBps":1800,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":1624,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1624,"cashAdvanceRegularMaxBps":1800,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"kinecta-credit-union/prescreen-disclosures-myperks","sourceDocumentTitle":"Prescreen Disclosures_MyPerks","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":1424,"maxPurchaseAprBps":1800,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"0f17aedf66f022878567c9c1fda99ab4","pageNumber":1,"quote":", your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1424,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"0f17aedf66f022878567c9c1fda99ab4","pageNumber":1,"quote":", your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"daab0b50fba2878183c11755829ee0b0","pageNumber":1,"quote":"1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1624,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"daab0b50fba2878183c11755829ee0b0","pageNumber":1,"quote":"1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"f2a03ae715aa11f68bd620782bccdde5","pageNumber":1,"quote":"1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1424,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"f2a03ae715aa11f68bd620782bccdde5","pageNumber":1,"quote":"1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"76fbae110652a03607c9c65436d89337","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"4b9b45c9983be795a710757c51e95efd","pageNumber":1,"quote":"If you are charged interest, the charge will be no less than $1.00 .","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"6f6fcf4e409af96b0143cadf2e4888bf","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2464","offerKind":"standard","channel":null,"nameAsFiled":"KINECTA MYPERKS MASTERCARD®","handle":null,"terms":{"productId":"3648","path":"kinecta-credit-union/myperks-mastercard","name":"MYPERKS MASTERCARD","officialName":"KINECTA MYPERKS MASTERCARD®","aliases":[],"institutionId":"74875","institutionName":"Kinecta Credit Union","institutionHandle":"kinecta-credit-union","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1424,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1424,"purchaseRegularMaxBps":1800,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1424,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1424,"balanceTransferRegularMaxBps":1800,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":1624,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":1624,"cashAdvanceRegularMaxBps":1800,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":"Prime Rate","annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":"kinecta-credit-union/prescreen-disclosures-myperks","sourceDocumentTitle":"Prescreen Disclosures_MyPerks","sourceDocumentPage":1,"offerCount":1,"minPurchaseAprBps":1424,"maxPurchaseAprBps":1800,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"0f17aedf66f022878567c9c1fda99ab4","pageNumber":1,"quote":", your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1424,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"0f17aedf66f022878567c9c1fda99ab4","pageNumber":1,"quote":", your APR will be 1 4.24 % to 18.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"daab0b50fba2878183c11755829ee0b0","pageNumber":1,"quote":"1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"purpose":"cash_advance","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1624,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"daab0b50fba2878183c11755829ee0b0","pageNumber":1,"quote":"1 6.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:cash_advance:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"f2a03ae715aa11f68bd620782bccdde5","pageNumber":1,"quote":"1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1424,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1800,"maximumBpsNullReason":null,"indexName":"Prime Rate","marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":false,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":false,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":[],"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":null,"eligibilityConditionSources":[],"statistic":"range","metricSources":{"annual_apr":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"range","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"f2a03ae715aa11f68bd620782bccdde5","pageNumber":1,"quote":"1 4.24 %- 18.00% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.","recordId":null,"recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-08-23","effectiveTo":null,"lastObservedAt":"2026-08-23T23:26:06.602Z","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":"point","documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"76fbae110652a03607c9c65436d89337","pageNumber":1,"quote":"None","recordId":null,"recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":0,"amountNullReason":null,"percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":"amount_only","explanation":null}],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"4b9b45c9983be795a710757c51e95efd","pageNumber":1,"quote":"If you are charged interest, the charge will be no less than $1.00 .","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:1"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:1","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"48719","sourceKind":"official_issuer","publisherName":"KINECTA","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"kinecta-credit-union/prescreen-disclosures-myperks","documentTitle":"Prescreen Disclosures_MyPerks","publicUrl":null,"passageId":"6f6fcf4e409af96b0143cadf2e4888bf","pageNumber":1,"quote":"Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:1"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"48719","path":"kinecta-credit-union/prescreen-disclosures-myperks","title":"Prescreen Disclosures_MyPerks","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Kinecta Credit Union","handle":"kinecta-credit-union"},"identityDeclarations":[]}]}}