Rates

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.

SHARE/IRA CERTIFICATES

Rates effective 07/01/22

Term Minimum Balance Rate (APY1)
6 Months $1,000 0.45%
12 months $1,000 0.55%
24 months $1,000 0.65%
36 months $1,000 0.80%

SHARE ACCOUNTS

Rates effective 07/01/22

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%

AUTO4 LOANS

Rates effective 07/22/22

Model Year Term Rate (APR3)
2023 / 2022 / 2021 Up to 60 months 2.49%
2023 / 2022 / 2021 Up to 72 months 2.99%
2023 / 2022 / 2021 Up to 78 months 3.24%
2023 / 2022 / 2021 Up to 84 months 4.49%
2020 / 2019 Up to 60 months 3.49%
2020 / 2019 Up to 72 months 3.74%
2018 / 2017 Up to 60 months 3.74%
2016 Up to 60 months 4.64%
High Mileage Up to 36 months 5.64%

PERSONAL LOANS

Rates effective 07/01/22

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%

MORTGAGE LOANS

Product Rate (APR2)
Home Equity Line of Credit5 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 are subject to change without notice. 
2Annual Percentage Rate.  All rates are subject to change without notice.
3Annual Percentage Rate is based on credit worthiness.  All rates are subject to change without notice. 
4Used Autos must be in the Kelley Blue Book (KBB) Values 6 years back.  Must receive verification of the exact payoff amount from the existing lienholder.
5HELOC 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.