Loans & Mortgages

Can I apply for an auto loan if I have not yet found the car I want?

Yes, you may complete an application for a pre-approved loan amount by visiting one of our branches, completing and submitting an application online, or call us at (808) 337-1433 for additional information and assistance.

Can I refinance my car loan?

Please visit our branch or contact us for assistance.

Can the credit union assist me with a student loan?

We do not offer federally funded student loans. However, please contact us for information regarding other loan options that may be available to meet your educational needs.

How many co-signers can I have on my loan?

Please visit our branch or call us for assistance.

How will I know if I will need a co-signer? A co-signer may be an alternative to obtain a loan that may not be considered otherwise.

How do I dispute an unauthorized charge on my VISA® credit card?

Call VISA®'s Customer Service at 1-800-442-4757 to report unauthorized charges. You may file a dispute claim on a VISA® transaction that you did not perform or one with which you do not agree.

Do you process credit card limit increase requests online?

You may be able to apply for an increase online. Upon receiving and reviewing your application, our loan office will contact you for additional information.

If a member is under the age of 18, can he/she apply for a loan, VISA® credit card or overdraft protection?

Members must be at least 18 years of age to apply for credit at Kekaha Credit Union.

Where do I send my VISA® Credit Card payments?

Your VISA® Credit Card payments may be made at the branch or you may mail payments to:

VISA
P.O. Box 672051
Dallas, TX 75267-2021

How do I request a MasterCard Credit Card?

We do not currently offer MasterCard Credit Cards.

You may apply for a Kekaha Credit Union VISA® Platinum Credit Card by visiting our branch or contact us for assistance. Or apply online in our Credit Cards section.

What do you offer for credit cards?

Kekaha Credit Union offers VISA® Platinum credit cards, accepted worldwide. Please visit the Credit Cards area on our website for additional information, or stop by the branch.

Does the credit union have a reward program on VISA® Credit cards?

Kekaha Credit Union, as part of the partnership with Aloha Pacific FCU, offers a reward program called Aloha Pacific Rewards. You earn 1 point for every $1 purchase using your Kekaha Credit Union VISA® Platinum Rewards credit card. Your points may be redeemed for gifts or travel. For additional information, please visit dreampoints.com/alohapacificrewards.

Can I use VISA® Credit card at an ATM?

You may obtain cash advances from any ATM that bears the logo of VISA®.

Do you offer consolidation loans?

Kekaha Credit Union offers an array of loan products. Please visit the branch or call us at (808) 337-1433 for assistance.

Do you offer construction loans?

We do not currently offer construction loans. Please contact us at (808) 337-1433 or visit the branch for information about our other loan products that might assist you.

Do you offer pay day loans?

Kekaha Credit Union offers personal term loans, auto loans and VISA credit cards.

Do you offer student loan consolidation?

We do not offer government-insured student loans. Refer to your school's financial aid office for assistance.

How long does it take to receive my title once I pay off my auto loan?

Upon receiving your final auto loan payment, allow for a minimum of 10 business days to receive your vehicle title.

What do I do if my information is not updated at the credit bureau?

You may address your concerns with the credit reporting agency.

Is Kekaha CU a full-service financial institution?

Kekaha Credit Union offers savings, checking and certificate accounts, mortgages and a variety of loan products to meet your needs. The credit union also provides many other useful services. Please explore our website or call us for more information.

Why is my account balance and available balance different?

There are no pre-payment penalties on auto loans financed through Kekaha CU. Please refer to your loan documents and disclosures for any pre-payment penalties on other loans.

You may contact us at (808) 337-1433 and speak with a representative in the Consumer Loan Department for additional assistance.

I applied for a loan online. Can I check the status?

Please call us to check the status of your online loan application. If you have previously established a user profile through the Online Application Center of Kekaha CU, you can use the "Returning Users" login box on the loan application page.

How do I order loan payment coupon books?

Members may visit the Kekaha branch to re-order loan payment coupon books, or call us at (808) 337-1433 for assistance.

Who can I call to discuss my delinquent loan?

You may contact us at (808) 337-1433 and speak with a representative in the Consumer Loan Department.

How can I pay my loan from another bank or financial institution?

Loan payments generated from another bank or credit union must be set up through that bank/credit union. Please refer to your bank/credit union to set up your payments.

Is there a grace period on my consumer loan payment?

Your loan payment is due on the due date. Please visit our branch or call us at (808) 337-1433 for assistance.

Where can I mail my loan payment?

You may mail your loan payments to:

Kekaha Credit Union
832 South Hotel Street
Honolulu, Hawaii 96813

I am making my last consumer loan payment. How do I obtain a payoff?

You may obtain your payoff balance by visiting the branch or calling us at (808) 337-1433.

Can I make my loan payment over the phone and online?

Loan payments are accepted at the branch, by telephone at (808) 337-1433, telephone banking (KalaTalk) and Online Banking.

What are closing costs?

Closing costs are fees paid by the mortgage borrower (loan fees, discount points, title insurance, appraisal fees, credit report, recording fees, etc.).

Please visit the branch or call us at (808) 337-1433 for assistance.

Can I roll my closing fees into my loan?

Please visit the branch or call us at (808) 337-1433 for assistance.

Are there any deals for first-time home buyers?

Please visit the branch or call us at (808) 337-1433 for assistance.

Does the credit union offer Home Equity Line of Credit and Home Improvement Loans?

Kekaha CU offers Home Equity Line of Credit (HELOC) and Home Improvement Loans. Please visit the branch or call us at (808) 337-1433 for assistance.

How can I refinance my home loan?

Please visit the branch or call us at (808) 337-1433 for assistance.

What is the fee on a late mortgage payment?

Please visit the branch or visit our website for information on Mortgage Loans.

Does the credit union offer no closing cost and no points loans?

Please visit the branch or call us at (808) 337-1433 for assistance.

Can I be notified when mortgage/refinance rates are updated?

Please visit the branch or call us at (808) 337-1433 for assistance.

How can I get a mortgage pre-approval?

Please visit the branch or call us at (808) 337-1433 for assistance.

What is the process for refinancing my current 1st and 2nd mortgage that I have through the credit union?

Please visit the branch or call us at (808) 337-1433 for assistance.

Do you offer VA or FHA loans?

Please call our loan officers at (808) 539-0187, (808) 539-0381 or (808) 539-0383.

My vehicle is financed with the credit union. May I take the vehicle out of the state?

To request to ship a vehicle out of the state, you will be asked to complete an Authorization to Ship Automobile form.

Please visit the branch location or call (808) 337-1433 for additional documentation and information requirements.

Are there any fees associated with the overdraft line of credit account?

There are no annual fees and no pre-payment penalties. Late payment fees do apply.

How do I sign up for an Overdraft Line of Credit?

A credit application and approval is required for an overdraft line of credit account. You can apply online by visiting our Personal Loans page, or stop by one of our convenient branch locations.

How do I quality for a loan or credit card?

Granting of credit is based on a person's credit worthiness and capacity to repay his/her debts. For additional information, please call us at (808) 337-1433.

What are your current mortgage rates?

Current rates are posted in the Mortgage section. Or you may call us at (808) 337-1433 and ask to speak to a mortgage lending representative.

What are your loan rates for used vehicles?

Rates are listed on our Personal Loan Rates and Fees page. 

Please call us at (808) 337-1433 for additional assistance.

What does GAP Insurance cover?

Guaranteed Auto Protection (GAP) is a financial bridge between what you owe and how much it's worth.

Please call us at (808) 337-1433 for more information.

Will I receive a tax statement? (i.e. 1099-INT, 1098, etc.)

Did you receive more than $10 in dividends for your account(s) or paid $600 or more of interest on a Home Equity Line of Credit (HELOC)?

To check the YTD (Year To Date) Dividends you received or the total mortgage interest you paid, please refer to your December account statement.

If you enrolled for Online eStatements before December 15, a copy of your electronic tax statements will be available to print/download through Online Banking. Otherwise, a copy of your tax statement(s) will be delivered to you if you receive printed statements by mail.

ADDITIONAL NOTES

  • If you maintain multiple account numbers, you receive a 1099-INT for each account that earned more than $10 in dividends.
  • You will not receive a 1099-INT tax statement if the dividends you received on an account was $10 or less.
  • You will not receive a 1098 tax statement if you paid less than $600 of interest on a HELOC.
  • If you obtained a mortgage loan through APFCU, your mortgage is being serviced by CUSO of Hawaii Services. For more information and assistance, visit the CUSO of Hawaii Services website or call 808-539-0172 (U.S. toll free, 1-800-708-2876).
  • You can log into Online Banking by going to kekahacu.com and enter your login credentials in the Sign In box. Click on 'Online eStatements' to download and print your tax statement(s).
  • If you closed your Kekaha CU account or paid off your HELOC before December 31, please refer to the last statement you received.