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.
Auto Loans
Rates Updated: 4/20/18
| Auto Loan Type | Loan Amount | Loan Term | APR* |
| Used Auto | $19,999 and less | 1–4 years | 1.75% – 12.95% |
| 5 years | 2.25% – 14.99% | ||
| $20,000 and over | 6 years | 2.75 – 15.49% | |
| New Auto | $19,999 and less | 1–4 years | 1.75% – 12.95% |
| 5 years | 2.25 – 14.99% | ||
| $20,000 and over | 6 years | 2.75 – 15.49% | |
| $30,000 and over | 7 years | 3.25% – 16.99% | |
| Silver Plan Auto ** (Over 5 Years Old) |
$19,999 and less | 1–4 years | 3.00% – 15.99% |
| 5 years | 3.50% – 17.00% | ||
| $20,000 and over | 6 years | 4.00% – 18.00% |
Combine these discounts for maximum savings on your next auto loan:
0.25% with automatic payment from net wage Direct Deposit.
0.25% for new and used vehicles financed by retired or active duty member/spouse of the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves).
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.
Share-Secured Loans
Rates Updated: 8/04/18
| Loan Type | Maturity Limit | APR* |
| 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: 8/04/18
| Loan Type | Term | Maturity Limit | APR* |
| Mixed Collateral | 50% Share Secured 50% Personal | Up to 6 YEARS | 2.75% – 6.25% |
Credit Builder Loan
Rates Updated: 8/04/18
| Loan Type | Maturity Limit | APR* |
| Credit Builder Loan | Up to 3 years | 8.00% |
Personal Loan
Rates Updated: 8/04/18
| Loan Type | Term | Maturity Limit | APR* |
| Personal Loan | Up to $30,000 | 1 year | 5.75% – 18.00% |
| Up to $30,000 | 2 years | 6.25% – 18.00% | |
| Up to $30,000 | 3 years | 6.75% – 18.00% | |
| Up to $30,000 | 4 years | 7.25% – 18.00% | |
| Up to $30,000 | 5 years | 7.75% – 18.00% | |
| Up to $30,000 | 6 years | 8.50% – 18.00% |
Student Loan
Rates Updated: 8/04/18
| Loan Type | Term | Maturity Limit | APR* |
| Student Loan | Up to $8,000 per year | Up to ten (10) years repayment | 6.25% |
*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.
Say Aloha!
Leave a message or call our team at (808) 482-3547.
Someone will get back to you soon.
You’re now leaving kgefcu.org and will be redirected to our application page supported by our partners.
Please pardon the work in progress, as we build a better online experience for you.
Subscribe to our newsletter
