Kaua'i Government Employees
Federal Credit Union

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.

Contact Us

Disaster Relief Loans

Helping our family on the island in times of need, our Disaster Relief Loans are a quick and secure way to cover damages or loss as a result of a natural disaster. Whether you need money to cover lost income, auto repairs or uninsured items, we lend a helping hand to our neighbors as we repair and rebuild our community, together.

  • Get up to $15k
  • No Payments for 5 months
  • Rates as low as 5% APR*
Contact Us

Personal Loans

Borrow up to $30,000 at attractive rates, with terms varying from one (1) to six (6) years.

  • Rates as low as 5.75%
  • Contact us about rates
Apply

New and Used Auto Loans

Get that new car you’ve been wanting with up to seven (7) years to repay at low interest rates.

  • Rates as low as 1.75%
  • Contact us about rates
Apply

Student Loans

Borrow up to $8,000 per year, with a maximum of $32,000 for four (4) years, and a repayment period of up to ten (10) years.

  • Rates as low as 6.50%
  • Contact us about rates
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 customer service team members.

Contact Us

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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