Loans & Lines of Credit

We’re your credit union.  Now we want to be your lender too…

We know that you trust your credit union to provide you with excellent member service and the products you need to help you meet your financial goals, but choosing a lender sometimes means taking the better rate, no matter who is doing the financing. But now, with rate match, you don’t have to go anywhere else!

Even if you already have a loan through another lender, it’s not too late to save money and bring that loan home to Ko’olau Federal Credit Union. And, if you’ve found a lower rate for a new loan with another lender, please give us the opportunity to offer you the same or an even better rate!

With our Rate Match Program, you can keep your business with your trusted, local credit union and still get the best rate around. 

Eligible loans for the Rate Match Program include:

• Auto loans (cars, trucks, vans)

• Recreational loans (motorcycles, boats, RVs, etc.)

• Other personal loans

Ask one of our friendly and knowledgeable staff if Ko’olau FCU can match your rate!

APPLY HERE to take advantage of our new Rate Match Program today. This is just another reason that Ko’olau FCU is the best place to bank on O’ahu!

*Ko’olau Federal Credit Union may, at its discretion, match the rate offered by another lender (“outside offer”) for a loan of similar terms at Ko’olau Federal Credit Union. The rate match applicant must meet the qualifications of the outside offer and may be asked to provide Ko’olau Federal Credit Union with documentation of the rate/offer. This offer is for New Money Only; rate matching is not available on existing Ko’olau Federal Credit Union loans.  Rate matching is not available if the outside offer is a promotional discounted rate, is less than 1.75%, or for lines of credit, credit cards, or business loans. Offer current as of 6/1/2022 and may be changed at any time.  All loans are subject to Ko’olau FCU’s credit approval standards and your interest rate is subject to your qualifications for the loan.  This Includes your credit history, cash flow and loan-to-value, if applicable.

Mortgage Loans

Whether buying a new home or refinancing your existing loan, our mortgage program provides you with choices. Contact one of our loan officers at 808-254-3566 or email loanservices@koolaufcu.org and we will help you find the right financing with the right terms to match your needs.

Features:

• Competitive rates - Our first mortgage loans are competitively priced on a daily basis

• Flexible terms – 15 or 30-year fixed-rate loans and ARMs along with points or no points options

• A friendly experience– Our goal is to help you find the right loan to match your needs for one of the biggest financial decisions in your life

Home Equity Lines of Credit (HELOC)

Credit Cards

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. Click here to see important details about the KFCU VISA Platinum Rewards Program.

CURewards – Earn 1 point for each $1 of eligible purchases. Visit www.CURewards.com for details.

Auto Loans

Click here for AutoSmart Car Buying Service Information.

Click here to upload your insurance binder.

Personal Loans

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.

Please note that there is a $10.00 processing fee to use this service for payments greater than $50.00. If you choose to make a loan payment using the Electronic Loan Payments service, you agree to the fee.

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)