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Beginning 8/18/21, KFCU’s online banking services will no longer be accessible with Internet Explorer 11.  Please use the following Web browsers instead---Google Chrome (recommended), Firefox, Microsoft Edge, or Safari (Apple iOS).


Always structured with our 'Ohana in mind

Kamehameha Federal Credit Union has two jobs -- help you save more on loans and earn more on savings. From our small location in Honolulu, we help you do big things.


Rates effective 07/01/21

Term Minimum Balance Rate (APY1)
6 Months $1,000 0.10%
12 months $1,000 0.10%
24 months $1,000 0.20%
36 months $1,000 0.25%


Rates effective 07/01/21

Account Type Minimum Balance Rate (APY1)
Savings $100 0.05%
Kids Savings $100 0.05%
Student Savings $100 0.05%
Checking N/A 0.00%
Student Checking N/A 0.00%
Secondary Savings $100 0.05%
Christmas Savings $100 0.05%
IRA (Traditional or Roth) N/A 0.55%


Rates effective 07/01/21

Product Term Rate (APR2)
New Up to 36 months 2.10%
New Up to 48 months 2.25%
New Up to 60 months 2.75%
New Up to 72 months 3.90%
Used Up to 36 months 2.60%
Used Up to 48 months 3.00%
Used Up to 60 months 3.60%
Used Up to 72 months - $20,000 or greater 4.60%

Personal LOANS

Rates effective 07/01/21

Product Term Rate (APR2)
Up to $25,000 Up to 12 months 4.25%
Up to $25,000 Up to 24 months 4.75%
Up to $25,000 Up to 36 months 6.50%
Up to $25,000 Up to 48 months 7.50%
Up to $25,000 Up to 60 months 8.50%
Share Secured Up to 5 years 3.00% above Dividend rate
Line of Credit Up to $10,000 Revolving 12.75%


Product Rate (APR2)
Home Equity Line of Credit4 Call the credit union at 808-842-9660 for current rates.
First Mortgages Available Call the credit union at 808-842-9660 for current rates.

1Annual Percentage Yield. All rates subject to change without notice. 
2Annual Percentage Rate. All rates subject to change without notice. Contact a Member Service Representative today for further information. 
3Used Autos must be in the current NADA Guides (6 years back). Must receive verification of the exact payoff amount from the existing lienholder.
4HELOC is available for owner-occupied and investment properties located in the State of Hawaii. Member must apply and be approved for credit under the credit union’s lending guidelines.