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.

If you have questions, contact us to say aloha or schedule an appointment with one of our lending team members.

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Disaster Relief Loans

Helping our family on the island in times of need, our Disaster Relief Loans are a quick and secure way to cover damages or loss as a result of a natural disaster. Whether you need money to cover lost income, auto repairs or uninsured items, we lend a helping hand to our neighbors as we repair and rebuild our community, together.

  • Get up to $15k
  • No Payments for 5 months
  • Rates as low as 5% APR*
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Personal Loans

Borrow up to $30,000 at attractive rates, with terms varying from one (1) to six (6) years.

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New and Used Auto Loans

Get that new car you’ve wanted with up to seven (7) years to repay at low-interest rates.

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New and Used Motorcycle, Equipment and Trailers

Get financing for Motorcycles, Equipment, Trailers, Off-Road Bikes, ATV’s .

  • Rates as low as 4.00%
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Lines of Credit

Protect yourself against overdrafts with a line of credit of up to $1,000.

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Other

If you have questions, contact us to say aloha or schedule an appointment with one of our customer service team members.

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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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