County of Kauai and KGEFCU COVID-19 Emergency Funds Loan




The County of Kauai and KGEFCU Community Partnership Emergency Funds Loan has been exhausted. We are no longer accepting applications. If you still need financial assistance, please visit our other loan page for different loan products. 



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.


COVID-19 Stimulus Scams

Congress has recently passed a large COVID-19 relief and stimulus package. As with other aspects of the COVID-19 pandemic, fraudsters are exploiting the relief and stimulus to victimize the public. The U.S. Secret Service is observing a rise in stimulus relief fraud over the past several days and expects the fraud attempts to continue throughout the pandemic.


How to Identify Threat:

Criminal actors are using a variety of means to contact potential victims. In one instance, the criminal actors are using spoofed email addresses posing as U.S. Treasury officials requesting that the victim provide personal identifying information so that they can receive their share of the stimulus.


How to Protect Against This Threat:

The U.S. Secret Service stresses that individuals seeking information about the stimulus/relief program contact the specific government agency via its website for guidance. Individuals should follow protocols published by those government websites. During this time, it is stressed that the public maintains an increased vigilance when providing any personal identifying information or other privileged and protected



Additional Resources:

The U.S. Secret Service is working with domestic and foreign law enforcement partners, along with the private sector, to disrupt and dismantle COVID-19 related fraud schemes. If anyone has any information related to this alert, the GIOC can be reached at

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

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

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


  • 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
  • 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.