County of Kauai and KGEFCU COVID-19 Emergency Funds Loan




Step 1: Get the application here


Step 2: Gather one of the required documents:

  1. Paystubs – Most Recent 1 month available OR
  2. 2019 Tax Return OR
  3. If 2019 Tax Return is not yet filed: 2018 Tax Return with 2019 profit & loss and 2019 G-45s or G-49

Step 3: Return completed application AND required documents by email to

Please put your name and “EL LOAN” in the subject line of your email.


We are receiving a large number of inquiries and applications for the COVID 19 Emergency Funds Loan Program.  Thank you for your patience as we review applications. Please check our website and read the information below to help expedite the process:

Please collect your proper documentation to submit with your application.  ONLY COMPLETED APPLICATIONS WITH PROPER DOCUMENTATION WILL BE CONSIDERED.  It’s best if you submit your application with your documentation at the same time (in one email) via the email address.

The program will offer COVID-19 Financial Counseling to all applicants, with personal loans of up to $10,000 to qualifying Kauai individuals who are still in need of financial reprieve due to COVID 19. Emphasis will be placed on households who have lost self-employment or other forms of income due to COVID-19 and have not yet been able to access the government aid programs. Funds will go to qualified applicants on a first-come, first-served basis. A financial review will be based on pre-COVID 19 income.

Households with pre-COVID-19 income who may not have been able to access other government loan programs, and could best benefit from the COVID-19 Emergency Funds Loan, may include;

  • Taxi or Service Industry Drivers
  • Self Employed Individuals
  • Independent Contractors
  • Small Business Owners
  • Legal Vacation Rental or Long-Term Rental Owners
  • Gig workers
  • And many others

Loan Guidelines:

  • Term and Interest Rates: COVID 19 Emergency Loan Funds offered up to a five-year term loan at 0% interest, simple. Payments are deferred for five months. A loan may be repaid early without penalty.
  • Loan Amount: Borrowers may receive up to $10,000. A financial review will be based on pre- COVID-19 income.
  • No Loan Application Fees.
  • Standard underwriting will apply.
  • Financial Counseling will be provided in partnership with KGEFCU and INPAC Wealth Solutions upon approval and funding of the loan.

Borrower Eligibility:

  • All individuals still in need of emergency funding may apply. Applicants must certify that their income has been impacted by COVID19. Emphasis will be given to those who have not been able to secure government funding due to eligibility challenges to accessing government aid.
  • The ability to provide proof of income prior and up to COVID 19 is required. Pre-COVID 19 income levels will be used for loan amount qualification.

See full Press Release here.

KGEFCU in partnership with Inpac Wealth Solutions is offering our COVID 19 Financial Coaching Program to recipients of the EL Program. Learn more about the Financial Counseling Program here.


Lokahi Spotlight: Aloha Aina Juice Cafe

Lokahi Spotlight: Aloha Aina Juice Cafe

If you haven’t tried Aloha Aina Juice Cafe in Puhi shopping center, you are missing out. Healthy food choices are important as we are all trying to boost our immunity. If you’re not already a regular customer, you will be! Try the pre-made made wraps or salads which are filled with nutrients that are so filling, smoothies filled with anti-inflammatory purposes, and even Acai or Pitaya bowls, which are our personal favorites! ⁣

Lokahi translates to many hands working together. Aloha Aina Juice Cafe is one of our Lokahi Partners.

A few years back, Owner Misha Laney won the Kauai style Shark Tank called Catch A Wave sponsored by KGEFCU and hosted by The Rotary Club of Hanalei Bay. Misha was able to buy a grab and go cooler filling it with healthy breakfast and lunch options. We, as a community, can support these small businesses.⁣ ⁣

Call in or order online at their website at

Economic impact payments: What you need to know

No action needed by most people at this time

WASHINGTON — The Treasury Department and the Internal Revenue Service today announced that distribution of economic impact payments will begin in the next three weeks and will be distributed automatically, with no action required for most people. However, some taxpayers who typically do not file returns will need to submit a simple tax return to receive the economic impact payment.

Who is eligible for the economic impact payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible. Social Security recipients and railroad retirees who are otherwise not required to file a tax return are also eligible and will not be required to file a return.

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child.

How will the IRS know where to send my payment?

The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible.

For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same banking account reflected on the return filed.

The IRS does not have my direct deposit information. What can I do?

In the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to checks in the mail.

I am not typically required to file a tax return. Can I still receive my payment?

Yes. The IRS will use the information on the Form SSA-1099 or Form RRB-1099 to generate Economic Impact Payments to recipients of benefits reflected in the Form SSA-1099 or Form RRB-1099 who are not required to file a tax return and did not file a return for 2018 or 2019. This includes senior citizens, Social Security recipients and railroad retirees who are not otherwise required to file a tax return.

Since the IRS would not have information regarding any dependents for these people, each person would receive $1,200 per person, without the additional amount for any dependents at this time.

I have a tax filing obligation but have not filed my tax return for 2018 or 2019. Can I still receive an economic impact payment?

Yes. The IRS urges anyone with a tax filing obligation who has not yet filed a tax return for 2018 or 2019 to file as soon as they can to receive an economic impact payment. Taxpayers should include direct deposit banking information on the return.

I need to file a tax return. How long are the economic impact payments available?

For those concerned about visiting a tax professional or local community organization in person to get help with a tax return, these economic impact payments will be available throughout the rest of 2020.

Where can I get more information?

The IRS will post all key information on as soon as it becomes available.

The IRS has a reduced staff in many of its offices but remains committed to helping eligible individuals receive their payments expeditiously. Check for updated information on rather than calling IRS assistors who are helping process 2019 returns.


73rd Annual Meeting – Virtual Notice

In light of health concerns during the COVID-19 mandatory stay at home order, our 2020 Annual Meeting of Members will be conducted by telephone conference call only. Members may participate in the Annual Meeting by telephone conference call, on the same date and time:

Saturday, April 18th, 2020 at 11:30 a.m.
We suggest you call in a few minutes early. The line will be active beginning at 11:15 a.m.


To join the conference call, please dial 1 (669) 900-6833
When asked for the meeting ID, please enter 731 975 906 #

Then enter the password 069320

When you call in, you will be added to the meeting’s audio feed. Please note you will be automatically muted upon joining the call so that the speaker can be heard. You will be unmuted for portions of the meeting where members can speak.

If you have difficulty with the conference call, please call our Member Service Center at (808) 245-2463.

Download meeting materials:
2020 Agenda  |  2020 Standing Rules  |  2019 Minutes  |  2019 Annual Report


Apply here for the Paycheck Protection Program

To apply for the Paycheck Protection Program follow the steps below.

Step 1: Please find the PPP application here

Step 2: You will also need to submit documentation see checklist here

Step 3: If you have any questions please email us at

If you need more information please see the PPP information sheet here

Please read thoroughly and send only a completed application with the required documents. Applicants enter the queue in the order their completed applications are received.

You do not need to be a KGEFCU member to apply for the PPP. You do have to be a member to receive funding.

SBA Disaster Loan

To apply for a COVID-19 Economic Injury Disaster Loan, click below

 SBA Disaster Loan Application

In response to the Coronavirus (COVID-19) pandemic, small business owners in all U.S. states, Washington D.C., and territories are eligible to apply for an Economic Injury Disaster Loan advance of up to $10,000.

The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing. The loan advance will provide economic relief to businesses that are currently experiencing a temporary loss of revenue. Funds will be made available within three days of a successful application, and this loan advance will not have to be repaid.

For more information: click here



Impacts of COVID-19 Survey

Kaua‘i Government Employees Credit Union is here for members, whatever the need, take this survey so we can understand what that is.

Times are a little bit scary right now, as the coronavirus disease (COVID-19) has changed much, if not all, of our day-to-day lives for the time being. With such massive disruptions can come financial consequences, as businesses are changing operations or closing, while bills and other expenses aren’t going away anytime soon.

At KGEFCU, we’re here for our members in whatever form they need. You’re a member and part of our community, so we want to do whatever we can to help.

Missing a paycheck but need to buy food or pay bills? We can work with you to bridge that gap. We can work on ways to modify your existing loan, get you funds at a safe and affordable rate, or meet other needs as they arise.

We hope you will take two minutes to answer this four question survey on the impacts of COVID-19 on you and your family.

The information you provide will help us understand your needs and obtain government resources to help our members.

The survey is confidential.  Thank you for your time and input.  We will get through this together.

Drive-thru Window

  • Available during regular business hours
    • Mon–Tue 7:45 AM – 4:30 PM
    • Wed–Thu 8:30 AM – 4:30 PM
    • Fri 8:30 AM – 6:00 PM

Call Center

  • Call or text (808) 245-2463 available during regular business hours
    • Mon–Tue 7:45 AM – 4:30 PM
    • Wed–Thu 8:30 AM – 4:30 PM
    • Fri 8:30 AM – 6:00 PM

Skip a Pay

  • If you have been affected by the COVID-19 Pandemic, we are offering skip a payment options on consumer and mortgage loans. Terms and conditions apply and subject to approval.
  • Please email 

We will be updating this resource page as things may change, and new information comes in. You can also stay up to date via social media:

  • Facebook
  • Instagram @kgefcu


Virtual Annual Meeting Postponed

Due to the recent COVID-19 Pandemic developments, KGEFCU is postponing the virtual annual meeting originally scheduled for March 21, until further notice.

Our top priority is keeping our staff, volunteers, and members safe during this unprecedented time. Thank you for your understanding.

Please visit our website at for the latest announcements and member support resources.  Our hearts go out to our island and the global community during this time.

Stay safe, Kaua‘i.

Preventative Tips to Stay Healthy

At KGEFCU, we are following the recommendations of the CDC to keep our staff, members and volunteers healthy. Help us in our effort to minimize the risk of illness to our community members who are most vulnerable and those with compromised immune systems.

Stay home when you are sick.
Avoid close contact with people who are sick.
Avoid touching your eyes, nose, and mouth.
Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
Clean and disinfect frequently touched objects and surfaces using a regular household cleaner spray or wipe.
Wash your hands often with soap and water for at least 20 seconds (especially after going to the bathroom, before eating, and after blowing your nose, coughing, or sneezing).
If soap and water aren’t available, use an alcohol-based hand sanitizer with at least 60% alcohol.

Additional Resources
Follow the latest information available on the novel coronavirus (COVID-19) from the Centers for Disease Control and Prevention (CDC)
The Hawaii State Department of Health is actively monitoring COVID-19 and its potential effect locally provides a wealth of information on preparing you and your family for a variety of disasters and emergency situations