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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Personal Loans

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

Rates as low as 4.00% APR*
Contact us about rates

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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 1.99% APR*
Contact us about rates

Apply

New and Used Motorcycle and Equipment

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

Rates as low as 4.00% APR*

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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 lending team members.

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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. KGEFCU 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. KGEFCU 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. KGEFCU 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.