All First Federal Bank of Kansas City 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:

7.67% - 19.99% for 3 year loans;

7.40% - 19.99% for 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 a loan inclusive both of interest rate all other associated fees. When comparing loan products, it is important to consider the APR of each product.