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1. Qualified borrowers can receive up to $400. $34.25 example is based on a $400 loan for 14 days, including $31.95 application fee and $2.30 interest. Application fee $31.95 plus 15% Annual Percentage Rate (APR). Application fee is due at the time member applies for the loan and interest must be paid in advance. See teller for more details. If necessary, $10 Consumers’ Cooperative Society of Santa Monica, Inc. fee will be covered by Kinecta Federal Credit Union (equivalent to free membership). Continued membership in the Santa Monica Co-Op will be subject to an annual membership renewal fee of $10. However, no annual fee is required to maintain membership in Kinecta. Minimum $5 share savings account deposit required (paid by Kinecta for new paydaytoday® borrowers). Deposits at Kinecta Federal Credit Union are Federally Insured by NCUA.