Loan Rates

Effective: 10/01/2024

We also offer loans for boats and motorcycles, and loans secured with your savings or certificate. Call us for the most current interest rates.

Important Terms & Conditions

*APR = Annual Percentage Rate.

Ko`olau FCU membership is required. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, age of collateral, occupancy of the collateral property, combined loan-to-value, lien status, and loan amount).

Rates were effective as of the date of this notice and are subject to change without notice.

Auto Loan:

Lowest rates advertised are based on a term of 36 months or less and LTV of 120% or less. Rates are higher for terms greater than 36 months. LTV is based on Kelley Blue Book (KBB) valuation, terms up to 84 months. Monthly payments on a $25,000 loan for 36 months could be as low as $757.34.

Motorcycle Loan:

Loan amounts up to $25,000; terms up to 84 months. LTV based on KBB retail or dealer invoice.  Monthly payments on a $25,000 loan for 36 months could be as low as $738.16.

Signature Loan:

Loan amounts up to $30,000, terms up to 84 months. Monthly payments on a $10,000 loan for 36 months could be as low as $318.00.

Personal Line of Credit:

Loan amounts up to $15,000.

Share Secured Loan:

APR is fixed for the life of the loan. Pledged shares will be held in a non-dividend-bearing account until the loan is paid off. Loan amounts up to secured amount, terms up to 120 months.

Credit Card:

All terms, including fees and the APRs for new transactions, may change after account opening in accordance with the Agreement and applicable law. Cash advance fee and foreign transaction fees of 1% of the US dollar amount of the foreign transaction apply. Go to www.koolaufcu.org to see important details about the KFCU VISA Platinum Rewards Program.

Home Equity Lines of Credit:

You may have to pay certain third parties closing costs that range between $0 to $1,200, depending on the amount of the loan and other factors. Property and hurricane insurance and, if applicable, flood insurance is required. Owner-occupied loan amounts up to $375,000 and 80% loan to value for single-family homes and 75% loan to value for condos or townhomes. Non- owner-occupied property up to 70% loan to value for single-family homes, condos, or townhomes, less outstanding liens. APRs do not include costs and rates may vary quarterly (maximum 18% APR). Monthly payments are required and applied as principal and interest payments. At the end of the draw period, your monthly payment may increase equal to the principal and interest amount necessary to pay the loan balance over the remainder of the repayment period.

Home Equity 95% Line of Credit:

Owner-occupied property. You may have to pay certain third parties closing costs that range between $0 to $1,200, depending on the amount of the loan and other factors. A property valuation performed by a certified and approved Appraiser is required at the expense of the borrower. Property and hurricane insurance and, if applicable, flood insurance is required. Owner-occupied loan amounts up to $250,000 and 95% loan to value for single-family homes, condo or town homes, less outstanding liens. Fee simple properties only. APRs do not include costs and rates may vary quarterly (maximum 18% APR). Monthly payments are required and applied as principal and interest payments. At the end of the draw period, your monthly payment may increase equal to the principal and interest amount necessary to pay the loan balance over the remainder of the repayment period.