*APR is Annual Percentage. Rate and can vary based on creditworthiness, terms and KCCU underwriting standards. 5.49% APR is based on a maximum of 24 month term. Rate is subject to change. Payment Example: Borrow $2,500 at 5.49% APR for 24 months = $104.77/month. A finance charge of $50.00 will be assessed at the time of loan closing. Membership Eligibility Requirements.