All KEMBA Financial Credit Union loans offer a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. 

Our APR ranges from:

See Website - 21.00%  for 3 and 5 year loans;

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of an Express Signature loan inclusive of the interest rate and all other associated fees. When comparing loan products, it is important to consider the APR of each product.