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.
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