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: 4/14/21
| Auto Loan Type | Loan Amount | Loan Term | APR* |
| Used Auto | 1–4 years | 2.99% – 13.25% | |
| 5 years | 3.49% – 13.75% | ||
| $20,000 and over | 6 years | 3.99% – 14.25% | |
| New Auto | $19,999 and less | 1–4 years | 1.99% – 12.25% |
| 5 years | 2.49% – 12.75% | ||
| $20,000 and over | 6 years | 2.99% – 13.25% | |
| $30,000 and over | 7 years | 3.49% – 7.25% | |
| Silver Plan Auto ** (Over 5 Years Old) |
$19,999 and less | 1–4 years | 4.24% – 14.50% |
| 5 years | 4.74% – 15.00% | ||
| $20,000 and over | 6 years | 5.24% – 6.25% |
Combine these discounts for maximum savings on your next auto loan:
0.25% with automatic payment from the 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 and is subject to change without notice. Kauaʻi FCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Motorcycle and ATV
Rates Updated: 4/14/21
| Loan Type | Loan Term | APR* | |
| New 2015 and Newer | Up to 6-years | 4.00% – 17.75% | |
| Used 2008 and Newer | Up to 5-years | 5.00% – 18.75% |
Add 2% to the rate for off-road bikes, ATVs, and PWC. Minimum loan amount is $2,500.00
The minimum monthly payment is $125.00
All street bikes and loans over $10,000.00 must-have insurance
*APR = Annual Percentage Rate and is subject to change without notice. Kauaʻi FCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Share-Secured Loans
Rates Updated: 4/14/21
| Loan Type | Loan Term | 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 and is subject to change without notice. Kauaʻi FCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.
Mixed Collateral
Rates Updated: 4/14/21
| Loan Type | Loan Term | APR* | |
| Mixed Collateral | 50% Share Secured 50% Personal | Up to 6-Years | 4.75% – 17.49% |
Premium and Signature Loan
Rates Updated: 4/14/21
| Loan Type | Loan Amount | Loan Term | APR* |
| Signature Loan | Up to $15,000 | Up to 6 years | 4.00% – 16.00% |
| Premium Signature Loan | Up to $30,000 | Up to 6 years | 7.00% – 12.00% |
*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. Federally insured by NCUA.
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