Loans
Everybody needs a helping hand from time to time. That’s why we have a variety of loan options to fit your individual needs. Whether you need additional cash for a personal project or you’re adding an addition to your home, we will make it happen together.
Personal Loan
Rates Updated: 10/29/19
| Loan Type | Term | Maturity Limit | APR* |
| Signature Loan | Up to $15,000 | 1 year | 5.25% – 18.00% |
| Up to $15,000 | 2 years | 5.50% – 18.00% | |
| Up to $15,000 | 3 years | 5.75% – 18.00% | |
| Up to $15,000 | 4 years | 6.00% – 18.00% | |
| Up to $15,000 | 5 years | 6.25% – 18.00% | |
| Up to $15,000 | 6 years | 6.50% – 18.00% |
| Loan Type | Term | Maturity Limit | APR* |
|
Premium Loan |
Up to $30,000 | 1 year | 8.25% – 12.50% |
| Up to $30,000 | 2 years | 8.50% – 12.50% | |
| Up to $30,000 | 3 years | 8.75% – 12.50% | |
| Up to $30,000 | 4 years | 9.00% – 12.50% | |
| Up to $30,000 | 5 years | 9.25% – 12.50% | |
| Up to $30,000 | 6 years | 9.50% – 12.50% |
*APR = Annual Percentage Rate is subject to change without notice. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Auto Loans
Rates Updated: 10/29/19
| Loan Type | Loan Amount | Loan Term | APR* |
| Used Auto | 1–4 years | 2.85% – 14.05% | |
| 5 years | 3.35% – 16.09% | ||
| $20,000 and over | 6 years | 3.85% – 16.59% | |
| New Auto | $19,999 and less | 1–4 years | 2.50% – 13.70% |
| 5 years | 3.00% – 15.74% | ||
| $20,000 and over | 6 years | 3.50% – 16.24% | |
| $30,000 and over | 7 years | 4.00% – 17.74% | |
| Silver Plan Auto ** (Over 5 Years Old) |
$19,999 and less | 1–4 years | 4.00% – 17.00% |
| 5 years | 4.50% – 17.00% | ||
| $20,000 and over | 6 years | 5.00% – 17.00% |
Combine these discounts for maximum savings on your next auto loan:
0.25% with automatic payment from net wage Direct Deposit.
0.25% with a 10% cash down payment on purchases.
0.50% with a 20% cash down payment on purchases.
**Silver Plan Auto does not qualify for any rate discount
*APR = Annual Percentage Rate is subject to change without notice. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Motorcycle, Equipment and Trailers
Rates Updated: 10/29/19
| Loan type | APR* | ||
| New 2015 and newer | 4.00%-17.75 | ||
| Used 2008 and newer | 5.00% – 18.75% | ||
*APR = Annual Percentage Rate is subject to change without notice. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Credit Builder Loan
Rates Updated: 10/29/19
| Loan Type | Maturity Limit | APR* |
| Credit Builder Loan | Up to 3 years | 8.00% |
*APR = Annual Percentage Rate is subject to change without notice. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Share-Secured Loans
Rates Updated: 10/29/19
| Loan Type | Maturity Limit | APR* |
| 100% Share-Secured loans | 1-3 years | 3.50% |
| 4-5 years | 4.00% | |
| 6-7 years | 4.50% | |
| 8-10 years | 5.00% |
*APR = Annual Percentage Rate is subject to change without notice. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Mixed Collateral
Rates Updated: 10/29/19
| Loan Type | Term | Maturity Limit | APR* |
| Mixed Collateral | 50% Share Secured 50% Personal | Up to 6 YEARS | 4.75% – 8.25% |
*APR = Annual Percentage Rate is subject to change without notice. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
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