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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Emergency Funding Loans

Our Emergency Funds Loan is a quick and secure way to assist families in need who have been affected by the COVID-19 Pandemic. Insurance and federal grant and loan programs may be available to help members with long-term recovery; however, this assistance is not guaranteed and takes some time. KGEFCU’s is here to lend a helping hand to our members who need immediate funding.

  • Get up to $10k
  • No Payments for 5 months
  • Rates as low as 3% APR*
Contact Us

Personal Loans

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

  • Rates as low as 5.25% APR*
  • Contact us about rates
Apply

New and Used Auto Loans

Get that new car you’ve been wanting with up to seven years to repay at low interest rates.

  • Rates as low as 2.50% APR*
  • Contact us about rates
Apply

New and Used Motorcycle, Equipment and Trailers

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

  • Rates as low as 4.00% APR*
Apply

Lines of Credit

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

Apply

Other

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

Contact Us

Auto Loans

Rates Updated: 3/27/20

Auto Loan Type Loan Amount Loan Term APR*
Used Auto   1–4 years 2.85% – 14.30%
    5 years 3.35% – 16.34%
  $20,000 and over 6 years 3.85% – 16.84%
New Auto $19,999 and less 1–4 years 2.50% – 13.95%
    5 years 3.00% – 15.99%
  $20,000 and over 6 years 3.50% – 16.49%
  $30,000 and over 7 years 4.00% – 17.99%
Silver Plan Auto **
(Over 5 Years Old)
$19,999 and less 1–4 years 4.00% – 16.24%
    5 years 4.50% – 17.25%
  $20,000 and over 6 years 5.00% – 6.25%

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 and 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: 3/27/20

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%

Minimun loan amount is $2,500.00

Minimun 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. KGEFCU is an equal opportunity lender. We do business in accordance with the Equal Credit Opportunity Act.

Share-Secured Loans

Rates Updated: 3/27/20

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 and 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: 3/27/20

Loan Type Term Maturity Limit APR*
Mixed Collateral 50% Share Secured 50% Personal Up to 6 YEARS 4.75% – 8.25%

Credit Builder Loan

Rates Updated: 3/27/20

Loan Type Maturity Limit APR*
Credit Builder Loan Up to 3 years 8.00%

Signature Loan

Rates Updated: 3/27/20

Loan Type Term Maturity Limit APR*
Signature Loan Up to $15,000 1 year 5.25% – 15.49%
  Up to $15,000 2 years 5.50% – 16.49%
  Up to $15,000 3 years 5.75% – 16.99%
  Up to $15,000 4 years 6.00% – 17.49%
  Up to $15,000 5 years 6.25% – 18.00%
  Up to $15,000 6 years 6.50% – 11.00%

Premium Signature Loan

Rates Updated: 3/27/20

Loan Type Term Maturity Limit APR*
Premium Signature Loan Up to $30,000 1 year 8.25% – 11.25%
  Up to $30,000 2 years 8.50% – 11.50%
  Up to $30,000 3 years 8.75% – 11.75%
  Up to $30,000 4 years 9.00% – 12.00%
  Up to $30,000 5 years 9.25% – 12.25%
  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.

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