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


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
  • aloha@kgefcu.org

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 aloha@kgefcu.org 

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 kgefcu.org 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
Ready.gov provides a wealth of information on preparing you and your family for a variety of disasters and emergency situations

Notice to Members Regarding Branch Operations during COVID-19 Pandemic

Beginning Wednesday, March 18, we will be operating the Lihue Branch during regular business hours exclusively through our drive-thru window. We will continue to service members through telephone, email, online banking, and our website as well. This plan ensures that our staff and members are protected, and better enabled to adhere to social distancing recommendations by the CDC. Also, this plan allows our valuable team more capacity to attend to their families while still giving members access to their usual credit union services. We encourage everyone to utilize our remote services during this time.
For those of you experiencing financial hardship due to the COVID-19 Pandemic, please contact us for immediate assistance. We are available to discuss skip-a-pay options on loans, offer financial counseling, emergency loan options, and loan modification programs. We are here for you during these unprecedented times.     Please continue to utilize our below services:
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
  • aloha@kgefcu.org


  • Lihue Branch ATM
  • Surcharge-free withdrawals at First Hawaiian Bank or Gather Federal Credit Union
  • Search surcharge-free co-op atm see locations here or text a zip code to 91989

Telephone Banking

  • Call 1-800-330-8115
  • Press 1 for account access
  • Enter your credit union member number
  • Enter your security pin
  • If you have forgotten what the security pin is, please call the branch

Online Banking (Virtual Branch)

  • If you are not already enrolled, please follow these steps:
  • Go to www.kgefcu.org
  • Click on Login, click on Member Login.
  • Click on Enroll
  • Enter your credit union primary shares account number as your member number.
  • Enter your security pin
  • If you have forgotten what the security pin is, please call the branch
  • Click on Terms and Conditions and accept the terms
  • Change your login ID and security code and continue
  • Complete the security enrollment process

Mobile App

  • Go to your mobile app store
  • Search KGEFCU and click download
  • Use your online banking username and password to log in
  • If you do not have an online banking username, follow the steps for ‘Online Banking.’

Direct Deposit

  • Please follow the directions to set up direct deposit here

Automatic Account Withdrawal Authorization

  • Please follow the directions to set up direct deposit here


  • Please follow the link to our third-party bill pay service

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.

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:

Thank you for your bravery and understanding during this challenging season. Together, we are more robust, and we will make it through this.

Annual Meeting Canceled

While communities are coming together in efforts to slow the spread of coronavirus, disruptions in everyday life may create inconveniences, anxiety, and financial difficulty for our island. Credit unions were founded on the “people helping people” philosophy, and there is no greater time than now to live out that mission.

Your health and safety come first. We are doing our part at KGEFCU by following the recommendations of the CDC, Hawaii Department of Health, and the Kauai Mayor ‘s Office to help our employees remain safe in the workplace. This has led us to the decision of canceling our in-person Annual Meeting, which was to be held at Kauai Beach Resort this Saturday, March 21st. In place of the event, we will be holding our business meeting using online streaming, via Facebook Live. Find us on Facebook by searching the user name @kgefcu or www.facebook.com/kgefcu. We will be tuning in this Saturday, March 21, at 11:30 am.

We are allowing team members in some positions to work remotely to help prevent the spread of coronavirus. We are disinfecting our Lihue branch frequently, and advising all staff, volunteers, and members to stay home if they themselves are feeling ill, or if anyone in their family is ill.

Your financial well-being is important. KGEFCU has several ways to limit your exposure to coming into the branch, including online and mobile technology, ATMs, drive-through window, bill pay, call center, and direct deposit. We recognize the financial hardship that closed schools, canceled events, and a slowdown in business can put on your ‘ohana. If you are experiencing a change in your financial circumstances during efforts to contain coronavirus, contact KGEFCU and we will do our best to help. Services for you at this time may include options to temporarily skip loan payments, emergency loans, lower- interest credit cards, and financial counseling to help you make the decisions that are in your best interest.

As of now, our Lihue branch remains open.  As things are changing rapidly please stay up to date with KGEFCU at our website www.kgefcu.org and social media at www.facebook.com/kgefcu or Instagram @kgefcu.

Below is a list of resources that we will be following for recommendations.

If you have questions or concerns, please contact us at (808) 245-2463 or email us at aloha@kgefcu.org

Thank you for your understanding and consideration during this time.

President & CEO
Monica Belz

Centers for Disease Control & Prevention (CDC)

World Health Organization (WHO)

Occupational Safety & Health Administration (OSHA)


First ever credit union on the North Shore!


President and CEO Monica Belz announced exciting news at the Kaua‘i Government Employees Federal Credit Union 72nd Annual Member- ship Meeting! In response to requests for a North Shore presence, KGE- FCU is leading the way and establishing a new branch in Kilauea. The branch will open later this year and meet the needs of families from Anahola to Haena. We are here to care for and protect the wealth and financial wellness of our entire community.

The 72nd Annual Meeting was a success!


Our credit union exists to serve all of you who preserve, strengthen and love Kaua‘i’s community. A wonderful time was had by all as we cele- brated our achievements at the Annual Meeting. Mahalo to our staff, volunteers and special guests: Mayor Kawakami, Hālau Ka Lei Mokiha- na o Leinā‘ala, and Puni Patrick for offering the blessing. Congratula- tions to our first-place winners! Catch a replay of the Annual Meeting on Wala’au Productions, Spectrum channel 128.