Loan Services New Car Loan Signature Loans Home Equity Line of Credit Share Secured Loans First Mortgages Over-Draft Protection Visa Credit Card Used Car Loans NEW CAR LOAN Drive off in a shiny new auto without buyer's remorse. We offer 100% financing of the purchase price. Terms extend to 5 years at 5% APR. Autos purchased in excess of $20,000 may be financed for 7 years at 7.85%. For car values, click on the KELLY BLUE BOOK logo. Click the application button below to get the process started or click the calculator button below to figure your payments. Calculate Your Loan Payment SIGNATURE LOANS Borrow up to $10,000 based on your financial character and integrity for just about any provident and productive purpose. Payroll deductions, though not necessary, are a popular repayment method. Ask us about Signature Loans in amounts greater than $10,000 by calling 528-7077 or click on application button below to get the process started. Terms up to 5 years with rates from 5.5% to 12.5% depending on repayment term. Calculate Your Loan Payment HOME EQUITY LINE-OF-CREDIT ONLY 4.99% Annual Percentage Rate for the first 3 months (promotional rate.) Thereafter, rate may adjust to 2% above Wall Street Journal Prime Rate. OUR CURRENT RATE IS 6.75% APR. Credit Union pays ALL ORDINARY CLOSING COST (a possible savings of over $1,000.) Borrow up to 80% of the equity in your principal residence minus the 1st mortgage. Principal residence may be located anywhere in Hawaii. To receive a tentative pre-approval response in FIVE MINUTES call us at (808) 528-7077 or fax us your latest tax assessment notice and information on your current mortgage balance at (808) 528-7079 with a return phone number. Calculate Your Loan Payment SHARE SECURED LOANS      Borrow your own money and save, save, save! How's that possible when you're charged interest? Although the loan interest rate is 2% above the savings dividend rate, the dividend time period, method of calculation and the loan terms may make a difference. Other factors may also be considered. The FREE Life Savings Insurance provided by the Credit Union to eligible members grows in value as you get older. For more information about the FREE Life Savings Insurance click on Insurance. To request a Share Secured loan or more information click the application button below or call us at (808) 528-7077. A Share Secured loan check may be ready within ten minutes of your verbal request during business hours or may be deposited into your account, upon request. Calculate Your Loan Payment FIRST MORTGAGES Whether you're purchasing a new home or refinancing your present home or buying a second piece of real estate, your first financing option is to check with us. Although the annual percentage rate is usually the primary financing concern, be aware of other financing factors to save on closing cost and long term cost. Examples are the amount of "points" being charged, the amount of documentation fees, whether the loan is a fixed rate or adjustable rate loan, the term and frequency of payments. CLICK ON THE CALCULTOR BELOW to help you determine how much of a house you can afford. OVER-DRAFT PROTECTION ALL CHECKING ACCOUNTS INCLUDE A MINIMUM $100 OVERDRAFT PROTECTION LINE-OF-CREDIT OFFER, AND A MINIMUM $500 VISA CREDIT CARD OFFER. Eliminate those embarrassing return checks due to "nonsufficient funds." An Overdraft Protection line-of-credit automatically advances funds to cover those checks. Repayment may be made by either payroll deduction or other methods. If there is no loan balance, the payroll deduction will automatically be deposited into your savings account. When a line-of-credit advance is made, a notification is sent to you. There is no loan advance fee and you save on the $25 "non sufficient funds" fee. Interest is 13.5% Annual Percentage Rate (EXAMPLE: 52 cents interest on $100 when paid off in 2 weeks.) Just let us know how you want repayments to be set up and we'll be happy to accommodate you. Calculate Your Loan Payment VISA CREDIT CARD Discover the convenience and worldwide acceptance of our VISA credit card. With our 8.9% APR on Platinum card purchases and 12.4% APR on cash advances and 10.9% on Classic card purchases, and NO ANNUAL FEE, a credit card from your Kokua FCU is an ideal way to pay for purchases and to get cash. There is an INTEREST FREE 25-day grace period on new purchases when the balance is paid in full. There are no hidden triggers that increase the interest rate like many other credit cards. Payments may be either mailed to our payment processing center, set up as a payroll deduction or as an ACH debit from your Checking Account. Check the application button below to get the process started. Visa Classic Visa Platinum Calculate Your Credit Card Payment USED CAR LOANS We will finance 100% of the Kelly Blue Book Used Car RETAIL value plus accessories and warranties. For help on car values, click the KBB logo. gets you tons of values. Want payment information or other neat data? Click on the "calculators" below or click on "application" to get the ball rolling. Calculate Your Loan Payment     Calculate Your Mortgage Payment Back to Top Back to Top

Savings and Investment

Savings & Investment Primary Shares Accounts Money Market Account Christmas Savings Account Checking Account Club Account Share Certificates Super Money Market PRIMARY SHARES ACCOUNTS A member must have a primary share(savings) account. The share par value of $100 (minimum savings balance) is required within six months of opening the account and before benefits and dividends accrue, and before withdrawals are allowed. An account may be opened with as little as a $5.00 deposit. In addition, there is a one-time, nonrefundable membership fee of $2. Quarterly dividends are calculated and paid on the Average Daily Balance method. The dividend rate and Annual Percentage Yield is the rate and yield declared by the Board of Directors at the end of each calendar quarter. Fees could reduce the earnings on the account. As with other Credit Union accounts, this may be a single or joint account with anyone. All eligible accounts are automatically covered by FREE Life Savings Insurance up to $2,000. For more information see Insurance. View Our Rates View Fees MONEY MARKET ACCOUNT The minimum balance to open and maintain this account is $2,000. The maximum balance is $100,000. The dividend period is monthly and is calculated on the average daily balance. Dividends earned during the month are paid on the first day of the following month. Dividends on withdrawn funds are paid at the time of withdrawal. The APY may change monthly and is declared prior to the beginning of the month in which it is earned as determined by the Credit Union's Board of Directors. Dividends are paid from current income and available earnings. Fees could reduce earnings on the account. The minimum withdrawal is $500. There is no fee to open, maintain or close the account. Please see Super Money Market Account for a higher yielding account. View Our Rates View Fees CHRISTMAS SAVINGS ACCOUNT A great holiday season can be yours by stashing some money away every payday - - a payroll deduction allocated to a Christmas Savings account is just the answer! A Christmas Savings account may be opened any time during the year. Christmas funds are paid out on September 30 of each year and the account automatically remains open. The minimum opening balance is $5 but there is no minimum balance service fee. The annual dividend period is October 1 to September 30. Dividends are calculated on the average daily balance. Dividends are declared by the Board of Directors and paid annually. The minimum balance to earn the stated Annual Percentage Yield is $100. Fees could reduce the earnings on the account. Early withdrawal and/or early closure fee is $5. Dividends for the September 30, 2006 period is 3% APY. View Our Rates View Fees CHECKING ACCOUNT       NO MINIMUM BALANCE REQUIRED! WE JUST SAY: "NO!" Minimum balance fees! "NO!" Monthly service fees! "NO!" Transfer fees!"NO!" Inactive account fees! "NO!" Account history fees! "NO!" NSF items paid fees! "NO!" Account notification fees! "NO!" Early closure fees! "NO!" Incoming wire transfer fees! "NO!" Check conversion fees! "NO!" Teller fees! "NO!" Check safekeeping fees! "NO!" Direct Deposit fees! "NO!" Preauthorized debit fees! Benefits? The first package of Colonial Classic duplicate checks are free; your cancelled checks are CU retained; Line-Of-Credit Overdraft Protection is offered; automatic transfers from Savings to Checking is an option. Dividends are paid quarterly when the minimum average daily balance is at least $300. Dividends are declared by the Board of Directors and paid from current income and available earnings. Fees could reduce earnings on the account. View Our Rates View Fees CLUB ACCOUNT This is just the place to keep the funds from an unincorporated club made up of persons within the Credit Union's field of membership. . . be it a bowling team, the golf club, a medical department, a special occasion or event group, etc. Dividends are compounded and credited quarterly as declared by the Board of Directors and are paid from current income and available earnings. The minimum balance to earn dividends is $100. Fees may reduce the earnings on the account. The minimum primary account balance is $100 but an account may be opened with a minimum of $5. Services are limited until the minimum balance is obtained (6 month limit.) View Our Rates View Fees SHARE CERTIFICATES Share Certificates are similar to certificates of deposits. We offer four types of Share Certificates at various amounts, rates and terms. A penalty will be assessed for early withdrawal. Please click on either rates or fees below on this page for that information. Fees may reduce earnings. View Our Rates View Fees SUPER MONEY MARKET Conditions and limitations are the same as the Money Market Account except dividends are not paid on funds withdrawn prior to dividend payment date. Dividends on this account earn 50% more then the regular Money Market Account. Please click on either rates or fees below on this page for that information. Fees may reduce earnings. View Our Rates View Fees Back to Top

Insurance

 

Insurance Life Savings Insurance Loan Protection Insurance Credit Disability Insurance LIFE SAVINGS INSURANCE Eligible members are automatically provided with FREE life savings insurance based on the the lowest monthly balance of their Primary Savings Account, not to exceed $2,000. Deposits made prior to age 55 are covered up to 100%. Deposits made thereafter earn insurance coverage on a reduced % of the lowest monthly balance. For more information, please ask us for a free copy of the Certificate of Insurance. LOAN PROTECTION INSURANCE Each eligible loan is automatically covered with FREE loan protection insurance up to $10,000. Home Equity and first mortgage loans are exempt from coverage. Coverage extends to death, and permanen/total disability. For more information, please ask us for a free Certificate of Insurance. CREDIT DISABILITY INSURANCE Borrowers may choose to purchase additional insurance as a safe guard against unforseen events. Credit Disability Insurance protects the member and/or loved ones should a catastrophic event occur. There is a short waiting period after an event, premiums are very economical and are included in the loan payments. For more information, please ask us for a copy of the Certificate of Insurance. Back to Top