Kaua'i Government Employees' Federal Credit Union

 

Rates

Credit Unions are still the best-kept secret in banking... share

 

Dividend Rates Effective February 1, 2014.

Share Accounts

Type Dividend Rate APY* Minimum to Open Minimum to earn Dividend Dividend Frequency
Regular Share 0.300% - 0.702%
Depending on account balance. Call for details
$25.00 $100.00 Monthly
Secondary Share 0.300% - 0.702%
Depending on account balance. Call for details
N/A N/A Monthly
Share Draft
(Checking)
0.25% 0.25% N/A N/A Monthly
Money Market 0.250% - 0.501%
Depending on account balance. Call for details
$1000 $1000 Monthly
Christmas Club 0.250% 0.250% N/A N/A Monthly
IRA Share 1.250% 1.257% $25.00 N/A Monthly
ROTH IRA 1.250% 1.257% $25.00 N/A Monthly
Education IRA 1.250% 1.257% $25.00 N/A Monthly

*APY = Annual Percentage Yield. Dividends and annual percentage yields may change monthly as determined by the Board of Directors. For Regular Share (Savings) accounts to earn a dividend, members must maintain an average daily balance of $100 during the dividend period.

Rates effective as of 2/1/2014 and are subject to change without notice.

 

Share Certificates

Terms Dividend Rate APY* Minimum to Open Dividend Frequency
12 Months 1.550% 1.559% $1,000 Quarterly & At Maturity
18 Months 1.650% 1.660% $1,000 Quarterly & At Maturity
24 Months 1.750% 1.761% $1,000 Quarterly & At Maturity
36 Months 2.000% 2.015% $1,000 Quarterly & At Maturity
48 Months 2.250% 2.269% $1,000 Quarterly & At Maturity
60 Months 2.500% 2.523% $1,000 Quarterly & At Maturity
72 Months 2.750% 2.778% $1,000 Quarterly & At Maturity

IRA Share Certificates

Term Annual Minimum to Open Dividend Frequency
12 Month Traditional IRA 1.550%-1.559% $1000.00 Quarterly & at maturity
12 Month Roth IRA 1.550%-1.559% $1000.00 Quarterly & at maturity
12 Month Coverdell IRA 1.550%-1.559% $1000.00 Quarterly & at maturity
18 Month Traditional IRA 1.650%-1.660% $1000.00 Quarterly & at maturity
18 Month Roth IRA 1.650%-1.660% $1000.00 Quarterly & at maturity
24 Month Traditional IRA 1.750%-1.761% $1000.00 Quarterly & at maturity
24 Month Roth IRA 1.750%-1.761% $1000.00 Quarterly & at maturity
36 Month Traditional IRA 2.000%-2.015% $1000.00 Quarterly & at maturity
36 Month Roth IRA 2.000%-2.015% $1000.00 Quarterly & at maturity
48 Month Traditional IRA 2.250%-2.269% $1000.00 Quarterly & at maturity
48 Month Roth IRA 2.250%-2.269% $1000.00 Quarterly & at maturity
60 Month Traditional IRA 2.500%-2.253% $1000.00 Quarterly & at maturity
60 Month Roth IRA 2.500%-2.253% $1000.00 Quarterly & at maturity
72 Month Traditional IRA 2.750%-2.778% $1000.00 Quarterly & at maturity
72 Month Roth IRA 2.750%-2.778% $1000.00 Quarterly & at maturity

* APY = Annual Percentage Yield

Share Certificate accounts are fixed and compounded quarterly and will be in effect for the term of the account.  Penalties may be imposed on early withdrawals as applicable.

Rates effective as of 2/1/2014 and are subject to change without notice.

Loan Products

Loan Type Term Maturity Limit Annual Percentage Rate*
Share-Secured Loan 100% Share Secured 1 - 5 yrs 5.00%
6-7 yrs 5.50%
8-10 yrs 6.00%
Share Certificate Loan 100% Share Certificate Secured up to 3 years Call for latest rates
Mixed Collateral Loan 50% Share Secured, 50% Personal up to 6 years 4.75% - 8.75%
New & Used Auto Loan up to 100% financing 1-4 years 3.25 - 8.25%
5 years 3.75 - 8.75%
$20,000 and over
up to 100% financing 6 years 4.25 - 9.25%
$30,000 and over
New Auto Only
up to 100% financing 7 years 4.75 - 9.75%

Combine These Discounts For Maximum Savings On Your Next Auto Loan:
  • 0.25% with Automatic Payment from your KGEFCU checking account.
  • 0.25% with a 10% down payment.
  • 0.50% with a 20% down payment.
  • 0.25% for any non-hybrid vehicle that receives a combined miles per gallon rating of 30 mpg or greater as determined by the U.S. Department of Energy and published at www.fueleconomy.gov.
  • 0.25% for new and used vehicles financed by an active duty member of the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves). Spouses and retired military personnel are not eligible.
*Auto Rates effective 2/1/2014
Personal Loan up to $15,000 1 year as low as 5.75%
2 years as low as 6.25%
3 years as low as 6.75%
4 years as low as 7.25%
5 years as low as 7.75%
6 years as low as 8.50%
Share Draft line-of-Credit up to $1,000 Revolving as low as 10.00%
Platinum VISA Credit Card with UChoose Rewards 7.99% - 18.99%
Mortgage Loans — Owner Up to 80% of home value or
$650,000 whichever is lower
First Mortgage or
Second Mortgage
15 years (or 30 years
with 15-year balloon)
Contact Lending Dept. For current rates
20 years Contact Lending Dept. For current rates
Home Equity Loan up to 20 years Contact Lending Dept. For current rates
KGEFCU Student Loan up to $8,000 per year up to ten years after school is over 6.25%
Subject to change annually.

Annual Percentage Rate is subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Information current as of 2/1/2014

NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.