loan rates

Auto, Motorcycle, and Rec Vehicle Rates
Effective Date: Friday, September 12th, 2025
Name	APR* as low as	Terms**
New Auto/Motorcycle (2 model years and newer)	5.49% (up to 42 months)	Terms available up to 90 months**
Newer Used Auto/Motorcycle (3-5 model years)	5.49% (up to 42 months)	Terms available up to 90 months**
Used Auto/Motorcycle (6-8 model years)	5.74% (up to 42 months)	Terms available up to 78 months**
Used Auto/Motorcycle (9-10 model years)	6.74% (up to 42 months)	Terms available up to 66 months**
New Rec Vehicle / Boat (2 model years and newer)	7.24% (up to 42 months)	Terms available up to 180 months**
Used Rec Vehicle / Boat (3-10 model years)	7.24% (up to 42 months)	Terms available up to 180 months**
APR = Annual Percentage Rate. All advertised auto, recreational vehicle, and motorcycle rates are based on 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APR, which would be the rate stated above plus an additional 0.25% APR. Rates are subject to change without notice. Subject to credit approval and other conditions. VIP Lifetime Rewards Program subject to change at any time without notice. Restrictions may apply. Loan discount is only available on new loans to KCCU. *Rates may vary based on term. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction.

Visa Credit Cards
Effective Date: Friday, September 12th, 2025
Name	APR* as low as	Terms
Edge Credit Card	8.99%	Great low rate!
Elite Credit Card	12.00%	Great low rate!
*APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions.
Visa Edge card has 8.99%–17.99% fixed APR (Annual Percentage Rate) when you open your account based on your creditworthiness. Visa Edge CC Application and Solicitation Disclosure
Visa Elite card has 12.00%–24.00% variable APR (Annual Percentage Rate) when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Elite CC Application and Solicitation Disclosure

Other Loans
Effective Date: Friday, September 12th, 2025
Name	APR* as low as	Terms**
Signature Loans	10.99%	Terms available up to 60 months**
Checking Line-of-Credit	6.99%	A perfect solution for small loans or spontaneous purchases!
Share Secured	5.00%	Terms available up to 60 months**
APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. *Rates may vary based on term.

Bank