Kauaʻi Government Employees
Federal Credit Union
Services > Share Certificates

Share Certificates

Investing in your future and the future of your family is what we do. We understand the needs of those on the island and provide options to help you not just preserve, but enhance your way of life.

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

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IRAs

Our IRA allows for your money to grow tax-free towards enjoying your golden years of retirement.

  • Only $25 deposit to open an IRA

Traditional IRA

Our Individual Retirement Accounts (IRA) allows for your money to grow tax-free towards enjoying your golden years of retirement.

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Education IRA

Our Education IRA allows your money to grow tax-free towards furthering your or your keiki’s education, turning graduation from a dream into a reality.

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Roth IRA

Our Roth IRA allows your money to grow tax-free towards the goal of home ownership, bringing you closer to getting the keys to your very first home.

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Certificates of Deposit

You work hard for your money, now let your money work for you. KGEFCU offers Share Certificates & IRA Share Certificates as a valuable investment tool for any and all of our members.

Share Certificates accounts are fixed and compounded quarterly, and are in effect for the term of the account. We have terms starting at 6 months that work best for you and your goals.

Investing today for a better tomorrow is how we grow. Deposit $1000 (minimum) to open and start earning dividends for your better tomorrow.

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

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Share Certificates

Share Certificate accounts are fixed and compounded quarterly and will be in effect for the length of the CD term.

Rates Updated: 07/15/20

Term Minimum to Open Dividend Rate APY*
6 month $1000 0.300% 0.300%
7-9 month $1000 0.350% 0.350%
10-12 month $1000 0.399% 0.400%
13-18 month $1000 0.399% 0.400%
24 month $1000 0.449% 0.450%
36 month $1000 0.499% 0.500%
48 month $1000 0.598% 0.600%
60 month $1000 0.698% 0.700%
72 month $1000 0.000% 0.000%

Share Certificates & IRA Share Certificates

Rates Updated: 07/15/20

 

Account type Minimum to Open Dividend Rate  APY*
12 Months Traditional IRA $25 0.399% 0.400%
12 Months Roth IRA $25 0.399% 0.400%
12 Months Coverdale IRA $25 0.399% 0.400%
18 Months Traditional IRA $25 0.399% 0.400%
18 Months Roth IRA $25 0.399% 0.400%
24 Months Traditional IRA $25 0.449% 0.450%
24 Months Roth IRA $25 0.449% 0.450%
36 Months Traditional IRA $25 0.499% 0.500%
36 Months Roth IRA $25 0.499% 0.500%
48 Months Traditional IRA $25 0.598% 0.600%
48 Months Roth IRA $25 0.598% 0.600%
60 Months Traditional IRA $25 0.698% 0.700%
60 Months Roth IRA $25 0.698% 0.700%
72 Months Traditional IRA $25 0.000% 0.000%
72 Months Roth IRA $25 0.000% 0.000%

*APY = Annual Percentage Yield. Monthly dividends and annual percentage yields may change monthly as determined by the Board of Directors and are subject to change without notice. Fees could reduce the earnings on the account for advertisements that include an annual percentage yield. For Regular Share (Savings) accounts to earn a dividend, members must maintain an average daily balance of $100 during the dividend period. KGEFCU is Federally insured by the NCUA.

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