Rates | Kauai Community Federal Credit Union | Kapa'a, HI - Lihue, HI - Waimea, HI

Rates

APY = Annual Percentage Yield.

Rates effective as of 10/01/2015.

Fees may reduce earnings.

Kasasa Cash

Minimum Opening Deposit: $25

BalanceDividend RateAPY
Balances up to $10,0003.203%3.25%
Balances over $10,0000.300%3.25% - 0.57%
All balances if
qualifications aren't met
0.020%0.02%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 check card purchases post and settle
  • Have at least 1 bill pay transaction OR 1 automatic payment (ACH) post and settle
  • Be enrolled and receive e-statement notice

Kasasa Saver

Minimum Opening Deposit: $25

BalanceDividend RateAPY
Balances up to $20,0001.995%2.00%
Balances over $20,0000.300%2.00% - 0.58%
All balances if
qualifications aren't met
0.020%0.02%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 check card purchases post and settle
  • Have at least 1 bill pay transaction OR 1 automatic payment (ACH) post and settle
  • Be enrolled and receive e-statement notice

Loan Rates

ProductTermAPR
Personal Loans1 Year4.00% - 13.00%^
2 Years4.50% - 14.00%^
3 Years5.00% - 15.00%^
4 Years5.50% - 16.00%^
5 Years6.00% - 16.50%^
6 Years6.50% - 17.00%^
7 Years7.00% - 17.50%^
Line of Credit N/A 7.00% - 17.50%^
Visa Platinum Credit Card N/A 9.99%
Visa Credit CardN/A 11.99%
Share Secured Visa Credit CardN/A 7.00%
SHARE SECURED LOANS
100% Share Secured 10 Years6.25%
50% Share Secured7 Years 7.00%
25% Share Secured7 Years 8.00%
10% Share Secured7 Years 8.50%
AUTO LOANS
New - 100% Financing3 Years2.99% - 17.99%^
4 Years2.99% - 17.99%^
Used - 100% Financing (Wholesale Kelley Blue Book Value) 5 Years3.50% - 17.99%^
6 Years*3.25% - 17.99%^
7 Years**3.75% - 17.99%^
MORTGAGE LOANS
Mortgages and Home Equity Lines of CreditPlease call(808) 245-6791

*Six-year term available for auto loans exceeding $20,000.

**Seven-year term available for auto loans exceeding $30,000. Rates range from 2.99% - 17.99% APR and are based on your credit history. Certain terms and conditions apply.

^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Dividend Rates

Account NameMin. Balance to Earn DividendsAPYMinimum Opening Deposit
Share Savings$1000.30%$5
Business Savings$1000.30%$100
Sub Shares$1000.30%$5
Multiple Signature Shares$1000.30%$5
Christmas Club$.010.30%$5
Share Draft Checking $.010.25% $25
Business Checking$10,0000.25%$1,000
IRA Shares $1000.30%$25
Roth IRA Shares$1000.30%$25
Roth Conversion IRA Shares$1000.30%$25
Coverdell ESA Shares$1000.30%$25
CUMMSA$2000 or more0.60% $2,000
CUMMSALess than $20000.10%
Premier CUMMSA$25,0000.70%$25,000

This rate schedule states rates applicable to specified accounts. For CUMMSA, dividends are credited to your account and compounded monthly. For all other share accounts, dividends are credited to your account and compounded every quarter. Fees or other conditions could reduce the earnings on the account. This schedule is incorporated as a part of your account agreement with KCFCU. Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable; this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.

Share and IRA Certificate Rates

TermMinimum BalanceAPYMinimum Opening Deposit
3-Month Share Certificate$1000 0.70%$1,000
6-Month Share Certificate $1000 0.90% $1,000
1-Year Share Certificate$1000 1.15%$1,000
1-1/2 Year Share Certificate$1000 1.40%$1,000
2-Year Share Certificate$1000 1.40% $1,000
3-Year Share Certificate$1000 1.60%$1,000
12-Month Sure Account$25 - $199 1.00%$25
12-Month Sure Account $200 - $4991.05%$200
12-Month Sure Account $500 - $10001.10%$500
24-Month Sure Account $25 - $199 1.05%$25
24-Month Sure Account $200 - $4991.10%$200
24-Month Sure Account $500 - $10001.15%$500
1-Year IRA Share Certificate$500 1.25%$500
1-Year Roth IRA Share Certificate$500 1.25%$500
1-Year Roth Conversion IRA Share Cert.$500 1.25%$500
1-Year Coverdell ESA Share Certificate $500 1.25%$500

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Dividends for the Sure Account, IRA, Roth and Coverdell ESA Share Certificate Accounts are credited and compounded quarterly. For the 3-Month Share Certificate, dividends are credited upon maturity and transferred to a designated share account or a check mailed to member. For all other Share Certificate Accounts, dividends are credited monthly and transferred to a designated share account or a check mailed to member. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (808) 245-6791.