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Account
Type |
Dividend
Rate
|
Annual
Percentage Yield * |
Minimum
to Open |
Minimum
to earn
Dividend |
Dividend
Frequency |
| Regular
Share |
1.005%-1.764%
Depending on account balance, call for details |
$25.00 |
$100.00 |
Monthly |
| Secondary
Share |
1.005%-1.764%
Depending on account balance, call for details |
N/A |
N/A |
Monthly |
Share
Draft
(Checking) |
0.50% |
0.501% |
N/A |
N/A |
Monthly |
| Money
Market |
1.130-2.018%
Depending on account balance, call for details |
$1000 |
$1000 |
Monthly |
| Christmas
Club |
1.25% |
1.257% |
N/A |
N/A |
Monthly |
| IRA
Share |
2.00% |
2.018% |
$25.00 |
N/A |
Monthly |
| ROTH
IRA |
2.00% |
2.018% |
$25.00 |
N/A |
Monthly |
| Education
IRA |
2.00% |
2.018% |
$25.00 |
N/A |
Monthly |
| * |
Dividends and annual percentage yields may
change monthly as determined by the Board of
Directors. For Regular Share (Savings)
accounts to earn a dividend, members must
maintain an average daily balance of $100
during the dividend period. |
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|
Term |
Dividend
Rate
|
Annual
Percentage Yield * |
Minimum
to Open |
Dividend
Frequency |
| 6-month |
3.25% |
3.289% |
$1000.00 |
Quarterly & at maturity |
|
9-month special |
3.375% |
3.417% |
$1000.00 |
Quarterly & at maturity |
|
11-month |
3.375% |
3.417% |
$1000.00 |
Quarterly & at maturity |
| 1-year |
3.625% |
3.674% |
$1000.00 |
Quarterly & at maturity |
|
13-month special |
3.625% |
3.674% |
$1000.00 |
Quarterly & at maturity |
| 1-year
IRA Share Cert |
3.625% |
3.674% |
$1000.00 |
Quarterly & at maturity |
| 18-month |
3.75% |
3.804% |
$1000.00 |
Quarterly & at maturity |
|
Longer-term share
certificates are also available. Call the credit
union for more information at 808-245-2463. |
|
Share Certificate accounts are non-compounding
and dividends earned are transferred to a designated share (savings) or share draft (checking) account.
Dividends on IRA Certificate accounts remain
in the accounts and are compounded
quarterly. Share and IRA Certificate rates
are fixed and will be in effect for the term
of the account. Penalties may be imposed on
early withdrawals, as applicable. |
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| Loan
Products |
|
Loan
Type |
Term |
Maturity
Limit |
Annual
Percentage Rate |
| Share-Secured Loan |
100%
Share Secured |
1-5
yrs |
5.00% |
|
"" |
6-7
yrs |
5.50% |
|
"" |
8-10
yrs |
6.00% |
| Share Certificate Loan |
100%
Share Certificate Secured |
up
to 3 years |
Call
for latest rates |
| Mixed Collateral Loan |
50% Share Secured, 50%
Personal |
up
to 5 years |
6.75% |
| New Auto Loan |
up
to 100% financing |
3-4
years |
5.25% |
|
|
5
years |
5.75% |
|
"" |
6
years |
6.25% |
|
"" |
7 years |
6.75% |
| Used Auto Loan |
up
to 100% financing |
3-4
years |
5.25% |
|
"" |
5
years |
5.75% |
|
($20,000 and over) |
6
years |
6.25% |
| Personal Loan |
up
to $15,000 |
1
year |
6.00% |
|
"" |
2
years |
6.25% |
|
"" |
3
years |
6.50% |
|
"" |
4
years |
7.00% |
|
"" |
5
years |
7.50% |
|
"" |
6
years |
8.00% |
|
"" |
7
years |
9.25% |
| Share
Draft line-of-Credit |
up
to $1,000 |
Revolving |
11.00% |
| VISA Credit Card |
up
to $15,000 |
Revolving |
11.00% |
| Mortgage
Loan- Owner |
|
|
|
|
First Mortgage |
up
to 80% of Home Value or $350,000 whichever is
lower |
15
years (or 30 year with 15 year balloon) |
5.50% |
|
Second Mortgage |
up to 80% of Home Value or $350,000 whichever is
lower |
20
years |
5.75% |
| Mortgage
Loan- Investor |
up
to $200,000 |
12
years |
7.00% |
| Home Equity Loan |
up
to 80% of Home Value or $200,000 whichever is
lower |
up
to 15 years |
5.00%
(Limited Time Offer) |
| KGEFCU Student Loan |
up
to $4,000 per year |
up
to ten years after school is over |
6.00%
Subject
to change annually. |
|
Annual Percentage Rate is subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. |
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