Personal Loans
| Description | SIGNATURE | SIGNATURE AUTO | SHARE SECURED | LINE OF CREDIT |
|---|---|---|---|---|
| Best for: | Short-term borrowing needs or larger purchases with the cost spread out over time to assist with managing your budget. | Accessing the equity in your auto or buying an auto over 10 years old. Also for members who want to establish a credit rating or borrowers who want to rebuild their credit rating. | Members who want to establish a credit rating or borrowers who want to rebuild their credit rating. | Short term borrowing needs, overdraft protection, or as an emergency fund. |
| Loan Purposes: | Consolidate debt, pay for home repair or improvements, finance the vacation of your dreams, and more. | Consolidate debt, pay for home repair or improvements, finance the vacation of your dreams, and more. | Consolidate debt, pay for home repair or improvements, finance the vacation of your dreams, and more. | Cover NSF transactions, consolidate debt, pay for home repair or improvements, finance the vacation of your dreams, and more. |
| Maximum Loan Amount: | $30,000 | $40,000 | Secured shares match outstanding loan balance | $15,000 |
| Terms: | Up to 84 months | Up to 84 months | Up to 120 Months | None - revolving |
| Collateral Required: | None | Auto Title | Secured shares match outstanding loan balance | None |
| Application Fee: | FREE | FREE | FREE | FREE |
| Prepayment Penalty: | None | None | None | None |
| E-Statements: | FREE | FREE | FREE | FREE |
| Automatic Payments from a KFCU account: | FREE | FREE | FREE | FREE |
| Fixed Interest Rate: | Yes | Yes | Yes | Yes |
| Mobile Banking Access: | FREE | FREE | FREE | FREE |
| Telephone Banking Access: | FREE | FREE | FREE | FREE |
| Online Banking Access: | FREE | FREE | FREE | FREE |
| Shared Branch Access: | FREE | FREE | FREE | FREE |
| In-Branch Access: | FREE | FREE | FREE | FREE |
| Credit Life Insurance: | Available | Available | Available | Available |
| Credit Disability Insurance: | Available | Available | Available | Available |
| Payment Reminders by text or email: | FREE | FREE | FREE | FREE |
Additional Loan Services
Loan by Phone
The service is FREE! Apply for the loan you need by calling (808) 254-3566 or one of our Loan Officers at any branch during our regular business hours. Or apply using our online Consumer Loan Application and we'll respond the same day or the next business day.
Electronic Loan Payments
Make a payment to your KFCU loan remotely with our new Electronic Loan Payment program. This service is available 24 hours a day, 7 days a week. It’s fast, easy, and secure!
This program allows you to make payments from another financial institution to your loan at Koʻolau FCU.
If you would like to make a loan payment from your KFCU account, sign into your Online Banking. (BUTTON: “SIGN IN TO PAY LOAN” https://koolaufcu-dn.financial-net.com/web/)
Please note, if you are using a debit or credit card, there is a $10.00 processing fee for payments greater than $50.00.
Features:
Make a payment towards your loan using another financial institution’s Visa or Mastercard Debit or Credit card or your Discover Credit Card
Make a payment towards your loan using your checking or savings account from another financial institution
Review payment history up to 2 years
Make a payment to a Loan (Auto, Personal, Home Equity LOC)