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Loan Rates
Effective November 1 – November 30, 2026. All rates are Annual Percentage Rates (APR) by credit tier.
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Limited-time promotion: Holiday Loan
| Loan | A 700+ | B 650–699 | C 600–649 | D 550–599 | E 500–549 |
|---|---|---|---|---|---|
| Holiday Loan · max term up to 12 mo | 5.25% | 6.25% | 7.25% | 8.25% | 9.25% |
All collateral loans (2022–current)
| Loan | A 700+ | B 650–699 | C 600–649 | D 550–599 | E 500–549 |
|---|---|---|---|---|---|
| Up to 100% financing, up to 48 mo | 4.99% | 5.99% | 8.99% | 11.99% | 13.99% |
| Up to 100% financing, up to 60 mo | 5.24% | 6.24% | 9.24% | 12.24% | 14.24% |
| Up to 100% financing, up to 72 mo | 5.99% | 6.99% | 9.99% | 12.99% | 14.99% |
| New autos over $30K only, 84 mo (GAP coverage encouraged) | 7.24% | 8.24% | 11.24% | — | — |
All collateral loans (2021 & older)
| Loan | A 700+ | B 650–699 | C 600–649 | D 550–599 | E 500–549 |
|---|---|---|---|---|---|
| Up to $10,000 (financing up to 36 mo) | 5.99% | 6.49% | 9.49% | 13.49% | 14.49% |
| $10,000.01–$20,000 (up to 60 mo) | 6.49% | 6.99% | 9.99% | 13.99% | 14.99% |
| $20,000 and up (financing up to 72 mo) | 6.99% | 7.49% | 10.49% | 14.49% | 15.49% |
| New or used boat or RV, over 72 mo (up to 144 mo; inquire about longer terms) | 8.99% | 9.99% | 11.99% | — | — |
Signature loans
| Loan | A 700+ | B 650–699 | C 600–649 | D 550–599 | E 500–549 |
|---|---|---|---|---|---|
| Balance up to $5,000 · 36 mo term | 10.99% | 12.99% | 18.99% | 20.99% | 21.99% |
| $5,000.01 and up · 48 mo term | 11.49% | 13.49% | 19.49% | — | — |
| $5,000.01 and up · 60 mo term | 11.99% | 13.99% | — | — | — |
*Max limit for signature loan is $15,000 for qualified applicants.
Debt consolidation loans
| Loan | A 700+ | B 650–699 | C 600–649 | D 550–599 | E 500–549 |
|---|---|---|---|---|---|
| Balance up to $5,000 · 36 mo term | 8.99% | 10.99% | 16.99% | 18.99% | 19.99% |
| $5,000.01 and up · 48 mo term | 9.49% | 11.24% | 18.49% | — | — |
| $5,000.01 and up · 60 mo term | 9.99% | 11.99% | — | — | — |
*Max limit for debt consolidation loan is $15,000 for qualified applicants.
Share Loan
2.50% APR
Loans cannot be in excess of 90% of share balance.
Emergency Advance Loan
25.99% APR
+ 5.00% application fee. Special guidelines/terms. Contact the CU for more detailed requirements.
KCACU uses J.D. Power to determine collateral value. All rates listed are Annual Percentage Rates. Rates subject to change without notice. We use Equifax for credit score determination. Contact the credit union for more information on our loan rates at 816-936-5050 or 913-371-1345.