New & Used Car Loans                   [Calculator]    [Rates]      [Application]

Kings Federal Credit Union offers competitive rates and a choice of repayment plans to meet most budgets.  With up to 100% financing available there is no reason to go elsewhere for your auto loan.  To increase your purchasing power, you will want to take advantage of our auto pricing program, KelleyBlueBook.  Armed with knowledge and a pre-approved loan allows you to bargain with strength!  Here are some other reasons to get your loan through KFCU:


·        MBI (Mechanical Breakdown Insurance) provides you with an extended warranty for your new or used vehicle.  Statistics have shown that big repair bills can come after the manufacturer’s warranty has expired.  This is why it pays to have the extra insurance.  King’s Federal Credit Union offers this at a considerable cost savings. 

·        GAP (Guaranteed Auto Protection) eliminates “out-of-pocket” expenses for remaining loan balances after insurance loss settlements and it’s available for new and used vehicles.  If you already have an auto loan at KFCU…  GAP is also available to you. 



How GAP Works:

Loan Amount:



72 Months

Loss Date:

24 Months

Loan Payoff:


Insurance Settlement: (Actual Cash Value)


GAP Deficiency:


GAP Coverage Pays:


Out-of-Pocket Expense:




·        Need Help Finding a Car?  Autoland makes car buying simple.  Experience the joy of hassle-free car buying.  Autoland is the easy-to-use auto-buying service designed especially for credit union members.  Experienced consultants find the make, model and color of car that you want, then negotiate the price.  To get started, click on the Autoland link and follow the instructions.  It’s that easy.




           From reviewing vehicle options, to facilitating trade-ins and test drives, their personalized, expert service helps you get into the      vehicle of your dreams without haggling or hassles.


Recreational Vehicle Loans             [Calculator]    [Rates]      [Application]

Purchase or refinance the toy of your dreams with Kings Federal Credit Union's flexible terms and low rates.  With up to 90% financing of the purchase price for new recreational vehicles and 90% financing of high Kelly Blue Book for used recreational vehicles.  Loans available for:


·        Boats

·        Motor homes

·        Horse Trailers

·        Travel Trailers

·        Motorcycles

·        Jet Skis



Signature Loans                                [Calculator]    [Rates]      [Application]

This loan can be used for any purpose - taxes, home improvements, a much deserved vacation, that new computer that you have had your eye on, etc.  The financing can be up to 48 months, with a maximum of $10,000, based on your credit qualifications.



Overdraft Line of Credit                   [Calculator]    [Rates]      [Application]

This is a line of credit linked to your checking account.  Funds are taken from the line of credit in the event there is not sufficient funds to cover a check or electronic debit. Lines of credit range from $250.00 to $1500.00, based on credit qualifications.  Benefits of overdraft protection are:


·        Competitive Interest Rate

·        Low Monthly Payment

·        A monthly statement detailing any activity

·        No more worrying about bouncing a check


Real Estate Loans                                                                  

Whether you're buying your first home, a vacation home or refinancing, our home loan professionals will walk you through every step of the way. We offer 15, 20 and 30 & 40 year fixed and variable rate mortgages. Our loans are tailored to fit your needs at very competitive rates with affordable fees.

Our home loan professionals would be happy to answer your questions and start you on the road to home ownership. click here to e-mail for rates or call us at 1-888-469-0192, Monday-Friday, 10:00 a.m. to 5:30 p.m.


Fixed Home Equity Loan                  [Calculator]    [Rates]      [Application]

Our home equity loan enables you to use your house as collateral (up to $100,000) for home improvements, major purchases, debt consolidation, etc.  It provides you the funds you need in one easy, lump-sum disbursement.  Lower rates and potentially tax-deductible interest can make home equity financing a less expensive option than a traditional loan.  .


·        Fixed payments

·        Fixed term

·        Fixed rate


Contact one of our Loan Services Representatives for details.



Home Equity Line of Credit!            [Calculator]    [Rates]      [Application]

You've built your equity - now use it.  Cross a few things off your wish list with a Home Equity Line of Credit.


·        Landscape your yard

·        Remodel your kitchen

·        Put in a pool

·        Add on that extra bathroom

·        Take that vacation to Europe


You have several ways to access the equity in your home - transfer from Home Banking, use your ATM card or your HELOC checks. We offer credit lines from $5,000 to $100,000, depending on the equity in your home.  Qualified members can borrow up to 90% loan-to-value.* At GREAT LOW RATES!

Contact one of our Loan Service Representatives to learn your options.  We'll help you get on the road to reaching your dreams!
*The Kings Federal HELOC cannot exceed the appraised value. Rate is annual percentage rate and is based on credit qualifications and loan to value. APR will vary and is based on the highest prime rate as published in the “Money Rates” column in the Wall Street journal. The APR can change quarterly on the first day of January, April, July, and October. The minimum “floor” APR on all Equilty Lines of Credit is 4.00% and the maximum APR that can apply is 15.00%. The Home Equity Line of Credit cannot exceed the appraised value. Credit limit is based on your creditworthiness.

**Minimum initial advance of $5,000 is required.

Rates and Policies are subject to change without notice.