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 10/01/22

Term Minimum Balance Rate (APY1)
6 Months $1,000 0.50%
12 months $1,000 0.65%
24 months $1,000 0.85%
36 months $1,000 1.00%

SHARE ACCOUNTS

Rates effective 10/01/22

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%

AUTO LOANS

Rates effective 10/01/22

Model Year Term Rate (APR)
New Auto3 Up to 84 months 3.75%
Used Auto3 Up to 72 months 4.75%

PERSONAL LOANS

Rates effective 10/01/22

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.
3Terms vary based on vehicle age and creditworthiness.
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.