Rates


Account Dividend Rate APY* Minimum to Open Minimum to Earn Dividend
Regular Share 0.150% - 0.401% $25 $100
Secondary Share 0.150% - 0.401% N/A N/A
Share Draft (Checking) 0.150% N/A N/A
Money Market 0.200% - 0.602% $1,000 $1,000
Christmas Club 0.150% - 0.150% N/A N/A
IRA Share 1.250% - 1.257% $25 N/A
Roth IRA
Education IRA
*APY = Annual Percentage Yield. Monthly 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 5/19/2016 and are subject to change without notice.
Share Certificates & IRA Share Certificates - Traditional, ROTH & Coverdell
Term Share Certificate accounts are fixed and compounded quarterly and will be in effect for the term of the account. Minimum to Open Dividend Rate APY*
12 Months $1000 Minimum to open and minimum to earn dividends 1.160% - 1.165%
18 Months 1.450% - 1.458%
24 Months 1.450% - 1.458%
36 Months 1.650% - 1.660%
48 Months 1.900% - 1.904%
60 Months 2.150% - 2.167%
72 Months 2.400% - 2.422%
*APY = Annual Percentage Yield. Penalties may be imposed on early withdrawals as applicable. Rates effective as of 5/19/2016 and are subject to change without notice.
New & Used Up to 100% financing 1 - 4 years 2.25% - 13.95%
5 years 2.75% - 15.99%
$20,000 and over 6 years 3.25% - 16.49%
$30,000 and over
New Auto Only
7 years 3.75% - 17.99%
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 determine 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.
*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. Information is current as of 8/4/2017.
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
HELOC
Home Equity Line of Credit
Up to 20 years
Land Loan 75% Loan To Value up to $350,000
15 year fixed
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 is current as of 8/4/2017.
Loan Type Term Maturity Limit Annual Percentage Rate*
Share-Secured Loans 1 - 3 years 3.50%
4 - 5 years 4.00%
6 - 7 years 4.50%
8 - 10 years 5.00%
Mixed Collateral 50% Share Secured
50% Personal
Up to 6 years 2.75% - 6.25%
Credit Builder Loan   Up to 3 years 8.00%
*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. Information is current as of 8/4/2017.

Loan Type Term Maturity Limit Annual Percentage Rate As Low As*
Personal Loan Up to $30,000 1 year 5.75%
2 years 6.25%
3 years 6.75%
4 years 7.25%
5 years 7.75%
6 years 8.50%
Share Draft Line of Credit Up to $1,000 Revolving 10.00%
Platinum Visa Credit Card
With UChoose Rewards
  7.99%
Student Loan Up to $8,000 per year Up to ten years repayment 6.25%
Subject to change annually
*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. Information is current as of 8/4/2017.