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.