Loans
At Kauai Ohana FCU, we believe in putting family first—because ʻOhana means family, and family means trust. Our lending options are designed to help you reach life’s milestones with confidence, flexibility, and support you can count on.
Signature Loans
When you need extra funds for unexpected expenses, special occasions, or personal projects, our Signature Loan offers a simple solution. Your signature serves as collateral, giving you access to funds without the need for physical assets.
Personal Line of Credit
Life doesn’t always follow a schedule. With our Personal Line of Credit, you’ll have a revolving source of funds available whenever you need them. Withdraw over the counter, or transfer directly into your Share Draft account through Online Banking. Your signature is your collateral, and your peace of mind is our priority.
Auto Loans
Whether you’re buying new or used, your ohana makes financing your vehicle easy and affordable. We also provide valuable protections such as:
GAP Insurance
Debt Protection Insurance / Payment Protection Plan
Extended Warranty Coverage
Already own your car outright? You can even use your vehicle’s title as collateral to secure a new loan.
1st and 2nd Mortgage Loans
Your home is more than a place to live—it’s where family memories are made. We offer:
Fixed-Rate Home Loans
Refinance Home Loans
30-year amortization on 1st Real Estate with 15-year Balloon
Our 2nd Mortgage Loan is flexible, allowing you to fund home improvements, consolidate debt, cover education costs, or make a significant purchase—the choice is yours.
HELOC Loans
A Home Equity Line of Credit (HELOC) provides flexibility by letting you borrow as needed, using your home’s equity. Features include:
Variable rate
Loan amounts up to $750,000 or 80% loan-to-value (whichever is less)
Share Secured Loans
Build credit while using your own savings as collateral. You can borrow against your Regular Shares, Share Certificate, or other joint accounts, keeping your funds secure while accessing the money you need.