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 |