Home Equity Line-Of-Credit
Leverage the equity in your home.
For: home improvements to home additions, the kids’ college education to a new car. Whatever the reason, our Home Equity Line of Credit may be the best way to pay.
*APR – Annual Percentage Rate **Requires a $10,000 draw at the time of closing
- 80% Loan to Value - for single family homes - 75% Loan to Value – for condo & townhomes on Oahu.
- Competitive interest rates - our rates are priced to provide good value.
- No fees or closing costs - for loans under $250,000.
- Generous limits - borrow up to $375,000 for owner occupied homes.
- 5-year Draw with 180 months, 240 months or 360 months repayment period.
- Quarterly rate adjustments – rates may change on a quarterly basis, unlike most programs that are subject to change monthly.
- Easy process, friendly service - apply online or at any of our 2 branches for a fast and quick response and superb service.
- 95% Loan to Value on owner-occupied homes on Oahu
- Up to $250,000 limit depending on equity
- 10-year draw with 240 months repayment
- Property valuation required
- Investment Property HELOC
- 70% Loan to Value - for single family and townhouses
- Up to $375,000 limit depending on equity
- 5-year draw with 180 months repayment
- No annual fee
- Quarterly rate adjustments
Personal Line of Credit
- Credit limits up to $15,000
- No collateral required
- Annual Percentage Rate (APR): based on credit worthiness
Fall Auto Loan Promotion
Starting from September 1, 2020 through November 30, 2020 get a great low rate on any new or used automobile loan.
- Rates as low as 1.75%* for New auto loans (as low as 2.05%* for Used autos)
- No Payment for 60 days
- Up to 84-month terms for new cars and 60-month terms for used
- Up to 120% LTV financing
- Reasonable Mechanical Repair Coverage packages available
- Credit life & disability option to help protect your loan
Click here to apply now!
For more information, please email us at email@example.com or give us a call at 808-254-3566 option 1.
*Annual Percentage Rate. As low as APR is for a three-year (36 months) term loan and includes automatic payment discount. Your actual APR will be based on your creditworthiness and term and may be higher. Payment example: A loan of $1,000 with a 2.00%APR will have 12 monthly P&I payment of $85.00, which includes $10.80 in interest. Refinancing of existing Koʻolau FCU loans is not allowed. Membership with Koʻolau FCU is required and is open to all Oahu residents. Federally insured by NCUA.
Combine great loan rates and affordable monthly payments with fast, friendly service and you’ll find that our financing experience is the right choice for you.
- Great rates – our rates are designed to lower the cost of buying a car.
- Favorable financing – we offer financing up to 100% of the vehicle purchase price for new cars and 100% of the blue book value for used cars.
- Flexible terms – we offer up to 84 month terms for new cars and 60 month terms for used cars.
- Easy & quick loan process – apply online, by phone @ (808) 254-3566 or at our Main or Kailua branches and get a fast and quick response with superb service.
- Pre-approval & Re-financing options – get a pre-approved auto loan to make that car purchase a quick and hassle free experience or re-finance your existing auto loan from another financial institution to a lower interest rate with affordable payments.
- Be smart with GAP or MRC – Guaranteed Asset Protection (GAP) to protect against loan amounts that exceed the car value or Mechanical Repair Coverage (MRC) at costs far less than the dealers'.
Windy Auto Loan
Had credit problems in the past? Working on rebuilding or establishing credit? Windy Auto Loan may help you.
- Competitive rates – our rates are designed to help you rebuild or establish credit and lower the cost of buying a car
- Flexible terms – we offer up to 72 months repayment terms for new and used vehicles.
- Quick & easy loan process – apply online, by phone at (808) 254-3566 or at our branches for a quick response.
- Add GAP or MRC – Guaranteed Asset Protection (GAP) protects against negative value gaps between loan amounts and vehicle values. Mechanical Repair Coverage (MRC) costs less than at the dealer.
No collateral required with flexible rates and terms.
- Terms: 12 months to 84 months
- Annual Percentage Rate (APR): based on credit worthiness
Whether buying a new home or re-financing your existing loan, our mortgage program provides you with choices. Come in to talk and we will help you find the right financing with the right terms to match your needs.
- 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.
Share Secured Loan
As an alternative to withdrawing your savings or to build or rebuild your creditworthiness, this fully secured loan provides opportunities. Great for young adults who want to establish a credit rating or borrowers who want to rebuild their credit rating.
- Maximum 120 month term
- No credit approval
- Fast, easy, convenient
- Secured shares match outstanding loan balance
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 on-line 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!
- Make a payment towards your loan or KFCU Visa credit card using another financial institution’s Visa or MasterCard debit or credit card or your Discover credit card.
- Make a payment towards your loan or KFCU Visa credit card using your checking or savings account from another financial institution.
- Review payment history up to 2 years.
This program allows you to make payments from another financial institution to your loan or visa credit card at Koʻolau FCU. If you would like to make a loan payment from your KFCU account, click here and 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.
Click here to make a payment to a Loan (Auto, Personal, Home Equity LOC)
Click here to make a payment to a Visa or Collection Account