Kahului Federal Credit Union
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Kahului Federal Credit Union
25 W Kamehameha Ave
Kahului, HI 96732-2240

Open Monday - Friday
8:30 a.m. - 5:00 p.m.

Phone: (808) 871-7705
Fax: (808) 877-4093
Email: info@kahuluifcu.com

R&T Number:
3213-7971-1
Audio Response:
(800) 789-4398
Home Banking Assistance:
(808) 871-7705
Visa Credit Card:
(800) 322-8472
Scorecard® Rewards:
(800) 854-0790
Scorecard® Travel Services:
(855) 483-5005

 

Loan Rates

 
 

Loan Rates Share Certificate Loans Overdraft Line of Credit Home Equity Line Of Credit VISA Credit Card

Effective Date: April 1, 2017

Loan are rates subject to change without prior notice.   Loans are subject to credit approval.  You must be a Kahului FCU member to apply for credit.  When you become a member, there is a one-time, nonrefundable $1.00 membership fee.

Loan Type Term (In Months) Condition APR - Start as low as
New Auto 36  No down payment required for "A+", "A" & "B" credit risk category if within LTV guidelines. "C", "D" & "F" borrowers may need to make a down payment 2.50%
48  3.00%
60  3.50%
72  4.00%
84  4.50%
Used Auto 36  No down payment required for "A+", "A" & "B" credit risk category if within LTV guidelines. "C", "D" & "F" borrowers may need to make a down payment 2.75%
48  3.25%
60  3.75%
72 4.25%
84* 4.75%
50% Share 12  Minimum $500 4.75%
24  5.25%
36  5.75%
48  6.25%
60  6.75%
Personal 12  Up to $25,000 6.75%
24  7.25%
36  7.75%
48  8.25%
60* 8.75%
72* 9.25%
Bill Consolidation 12  Up to $25,000 8.75%
24  9.25%
36  9.75%
48* 10.25%
60* 10.75%
*Rate and Terms may not be available for all credit risk categories.
FOR RATES SHOWN AS A RANGE: The Annual Percentage Rate (APR) you receive will be within the range disclosed and is based on your individual creditworthiness. Please ask us about the rate for which you qualify.
PREPAYMENTS: If you make prepayments, we may advance the due date on your payment. The due date may be advanced to match the number of full payment amounts received. If you want us to apply payment amounts above your regularly scheduled amount due to principal and do not want the due date advanced, you will need to inform us in writing.
The amount you may be eligible to borrow will depend on your individual creditworthiness. Additional downpayment may be required for auto loans.
The payment will be determined at the time of the loan closing, however, your minimum payment will never be less than $25.00 monthly.
New Auto Loan Payment Examples
Payment Examples of "A+" Risk Tier New Auto loans per $1,000 borrowed:
On a 36-month term at 2.50% APR: 35 monthly payments of $28.86 & 1 final monthly payment of about $28.86.
On a 48-month term at 3.00% APR: 47 monthly payments of $22.14 & 1 final monthly payment of about $21.82.
On a 60-month term at 3.50% APR: 59 monthly payments of $18.20 & 1 final monthly payment of about $17.58.
On a 72-month term at 4.00% APR: 71 monthly payments of $15.65 & 1 final monthly payment of about $15.23.
On a 84-month term at 4.50% APR: 83 monthly payments of $13.90 & 1 final monthly payment of about $13.86.
 
Used Auto Loan Payment Examples
Payment Examples of "A+" Risk Tier Used Auto loans per $1,000 borrowed:
On a 36-month term at 3.75% APR: 35 monthly payments of $29.42 & 1 final monthly payment of about $29.14.
On a 48-month term at 3.75% APR: 47 monthly payments of $22.47 & 1 final monthly payment of about $22.29.
On a 60-month term at 3.75% APR: 59 monthly payments of $18.31 & 1 final monthly payment of about $17.81.
On a 72-month term at 4.25% APR: 71 monthly payments of $15.76 & 1 final monthly payment of about $15.65.
On a 84-month term at 4.75% APR: 83 monthly payments of $15.99 & 1 final monthly payment of about $15.89.
 
50% Share Loan Payment Examples
Payment Examples of "A+" Risk Tier 50% Share loans per $1,000 borrowed:
On a 12-month term at 4.75% APR: 11 monthly payments of $85.49 & 1 final monthly payment of about $85.40.
On a 24-month term at 5.25% APR: 23 monthly payments of $43.98 & 1 final monthly payment of about $43.94.
On a 36-month term at 5.75% APR: 35 monthly payments of $30.31 & 1 final monthly payment of about $30.11.
On a 48-month term at 6.25% APR: 47 monthly payments of $23.60 & 1 final monthly payment of about $23.41.
On a 60-month term at 6.75% APR: 59 monthly payments of $19.69 & 1 final monthly payment of about $19.09.
 
Personal Loan Payment Examples
Payment Examples of "A+" Risk Tier Personal loans per $1,000 borrowed:
On a 12-month term at 6.75% APR: 11 monthly payments of $86.40 & 1 final monthly payment of about $86.36.
On a 24-month term at 7.25% APR: 23 monthly payments of $44.88 & 1 final monthly payment of about $44.85.
On a 36-month term at 7.75% APR: 35 monthly payments of $31.22 & 1 final monthly payment of about $31.00.
On a 48-month term at 8.25% APR: 47 monthly payments of $24.53 & 1 final monthly payment of about $24.34.
On a 60-month term at 8.75% APR: 59 monthly payments of $20.64 & 1 final monthly payment of about $20.21.
On a 72-month term at 9.25% APR: 71 monthly payments of $18.15 & 1 final monthly payment of about $17.88.
 
Bill Consolidation Loan Payment Examples
Payment Examples of "A+" Risk Tier Bill Consolidation loans per $1,000 borrowed:
On a 12-month term at 8.75% APR: 11 monthly payments of $87.32 & 1 final monthly payment of about $87.29.
On a 24-month term at 9.25% APR: 23 monthly payments of $45.79 & 1 final monthly payment of about $45.78.
On a 36-month term at 9.75% APR: 35 monthly payments of $32.15 & 1 final monthly payment of about $31.82.
On a 48-month term at 10.25% APR: 47 monthly payments of $25.48 & 1 final monthly payment of about $25.33.
On a 60-month term at 10.75% APR: 59 monthly payments of $21.62 & 1 final monthly payment of about $21.19.
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Loan Type* % Above
Index £
Term (In Months) Condition APR Start as low as
Share Certificate 2.00% Varies Minimum $500 2.30%
The ANNUAL PERCENTAGE RATE (APR) for Share Certificate loans will be the dividend rate (Annual Percentage Yield) being paid on the Share Certificate offerred as security (Index) plus the percentage shown in the "Above Index" column.
£ The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the loan.
For example: The present certificate rate on a 6 month share certificate is 0.30%, which results in an APR of 0.30% as of October 1, 2016. Adding the 2.00% margin will give a share certificate loan interest rate of 2.30%. Call (808) 871-7705 for the present certificate rate in order to determine the current APR.
Payment Example per $1,000.00 borrowed:
On a 1-year share certificate at 2.45% APR: 11 monthly payments of $84.45 & 1 final monthly payment of about $84.37.
 
Loan Type Term (In Months) Condition APR
100% Share 24  Minimum $500 2.50%
36  3.00%
48  3.50%
60  4.00%
72  4.50%
The current share rate is 0.15% APY which results in an APR of 2.00% to 4.00% as of October 1, 2016. Call (808) 871-7705 for the present share rate in order to determine the current APR.
Payment Examples per $1,000.00 borrowed:
On a 24-month term at 2.50% APR: 23 monthly payments of $42.76 & 1 final monthly payment of about $42.69.
On a 36-month term at 3.00% APR: 35 monthly payments of $29.08 & 1 final monthly payment of about $29.04.
On a 48-month term at 3.50% APR: 47 monthly payments of $22.36 & 1 final monthly payment of about $22.09.
On a 60-month term at 4.00% APR: 59 monthly payments of $18.42 & 1 final monthly payment of about $18.11.
On a 72-month term at 4.50% APR: 71 monthly payments of $15.88 & 1 final monthly payment of about $15.33.
 
*PREPAYMENTS:   If you make prepayments, we may advance the due date on your payment. The due date may be advanced to match the number of full payment amounts received. If you want us to apply payment amounts above your regularly scheduled amount due to principal and do not want the due date advanced, you will need to inform us in writing.
 
The payment will be determined at the time of the loan closing, however, your minimum payment will never be less than $25.00 monthly.
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Loan Type Condition Daily Periodic Rate APR Start as low as
Overdraft Protection Up to $10,000 0.025342% - 0.039726% 9.25%
  Minimum Monthly Payment  
Loan Balance After Each Advance  
$1 - $1,000 $25.00  
$1,001 - $2,500 $75.00  
$2,501 - $5,000 $150.00  
$5,001 - $10,000 $300.00  
 
FOR RATES SHOWN AS A RANGE:  The Annual Percentage Rate (APR) you receive will be within the range disclosed and is based on your individual creditworthiness. Please ask us about the rate for which you qualify.
 
PREPAYMENTS:  If you make prepayments, we may advance the due date on your payment. The due date may be advanced to match the number of full payment amounts received. If you want us to apply payment amounts above your regularly scheduled amount due to principal and do not want the due date advanced, you will need to inform us in writing.
 
OTHER CHARGES:  If the credit union does not receive the full amount of your minimum monthly payment within fifteen (15) days of the due date of that payment, you will have to pay a late charge of 5% of the unpaid minimum monthly payment amount.
 
COLLECTION COSTS:  You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney's fees.
 
The payment will be determined at the time of the advance, however, your minimum payment will never be less than $25.00 monthly.
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Loan Type Loan Amount APR
Home Equity Line of Credit 1  (Owner-Occupant) $10,000 - $300,000.00 3.99%*
Home Equity Line of Credit 2 (Investor) $10,000 - $100,000.00 7.00%
 

*1.00% APR for first 6 months after recordation for new lines of credit only.  After 6 month period, interest rate reverts to the current indexed interest rate. 

These are variable interest rates that will adjust annually on July 1st as per the terms of the Loanliner Credit Agreement. 

The minimum credit advance that you can receive is $5,000 for the first advance and $100.00 for each subsequent advance to avoid a transaction fee.

 

 1Applies to Owner-Occupant properties. Based on a $25,000.00 loan at 1.00% APR with a 15 year repayment term, the monthly payment (principal & interest) would be $150.00. Based on a $25,000.00 loan at 3.99% APR with a 15 year repayment term, the monthly payment (principal & interest) would be $185.00. The variable indexed rate will not exceed 15% APR.  Property insurance (homeowner's, hurricane and flood) may be required.
 
2 Applies to improved investment properties. Based on a $25,000.00 loan at 7.00% APR with a 12 year repayment term, the monthly payment (principal & interest) would be $258.00. The variable indexed rate will not exceed 15% APR.  Property insurance (homeowner's, hurricane and flood) may be required.
 
CURRENT PROMOTION:  If you take a draw of at least $10,000.00 within 2 weeks of closing and keep the line of credit open for at least one (1) year, the credit union will waive normal closing costs for certain third party fees, such as real estate evaluation, recordation, documentation, ordinary title search, credit report, flood determination, and notary fee, which are estimated at $600 to $2,000.  You will be required to pay extraordinary third party costs, such as extraordinary title searches, appraisals and other legal documentation, estimated at $250 to $2,000.  Promotion is subject to change without prior notice.  
 
 
Loan Type Loan Amount Terms APR
First Mortgage - Fixed Owner-Occupant $30,000.00 - $750,000.00

Please contact us for current rates and terms. Other financing options are available.

First Mortgage - Fixed-Investor $30,000.00 - $350,000.00
First Mortgage - Balloon-Fixed Investor $30,000.00 - $350,000.00
Second Mortgage - Fixed Owner-Occupant $20,000.00 - $200,000.00
Vacant Property - Fixed $30,000.00 - $350,000.00
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VISA CLASSIC - Application and Solicitation Disclosure
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 7.99% or 12.50%
when you open your account, based on your creditworthiness.
APR for Cash Advances 7.99% or 12.50%
when you open your account, based on your creditworthiness.
APR for Balance Transfers 7.99% or 12.50%
when you open your account, based on your creditworthiness.
Minimum Interest Charge None
How To Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee None
    Annual Fee
Transaction Fees None
    Foreign Transaction Fee
Penalty Fees  
    Late Payment Fee Up to $20.00
    Returned Payment Fee Up to $20.00
How We Will Calculate Your Balance.  We use a method called "average daily balance (including new purchases)."
Effective Date.  The information about the costs of the card described in this application is accurate as of December 1, 2012.. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Disclosures:
Late Payment Fee $20.00 or the amount of the required minimum payment, whichever if less, if you are 30 or more days late in making a payment.
Returned Payment Fee $20.00 or the amount of the required minimum payment, whichever if less.
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Equal Housing Lender This Credit Union is federally-insured by the National Credit Union Administration