Loan Rates

KGC Federal Credit Union has a loan for you!

KGC Federal Credit Union offers members loan specials throughout the year. Members may borrow up to $1,000 for 12 months at just 8.5% APR as part of these loan specials:

Tax Special: March 1 - April 15

Vacation Special: June and July

Back-to-School Special: August and September

Christmas Special: November and December

See our Current Loan Rates below for rate and disclosure information on these services.

Our loan programs include:

New Vehicle/Motorcycle Loans
Used Vehicle/Motorcycle Loans
Signature Loans
Share Secured Loans
Recreational Vehicle Loans
ATV/Snowmobile Loans
Boat
Visa Credit Cards

To apply for a loan, simply stop in the office for an application. You may also call or email a request for an application to be mailed to you. Automatic payment is available with any of our loan services.

New & Used Vehicles, Motorcycles, and Recreation Vehicles (campers, boats, ATVs)

Description	Term	APR Annual Percentage Rate	Monthly Payment per $1,000 Borrowed
"New" Untitled	up to 72 months	as low as 4.50%
"New" Untitled	up to 60 months	as low as 4.0%
	up to 48 months	as low as 3.5 %
	up to 36 months	as low as 3.0%
"Used" 2009-2011	up to 72 months	as low as 5.0%
	up to 60 months	as low as 4.0%
	up to 48 months	as low as 3.5%
"Used" 2004-2008	up to 60 months	as low as 7.0%
"Used" 2004-2008	up to 48 months	as low as 6.5%
"Used" 2004-2008
"Used" 2004-2008	up to 36 months	as low as 6.25%

"Used" 2000-2003 up to 48 months as low as 8.5%
up to 36 months as low as 8.0%

We finance up to 100% of the sticker price on new vehicles and up to 100% of the NADA Average Retail Value on used vehicles.

Share Secured Loans

Type

Term

APR

(Annual Percentage Rate)

Monthly Payment per $1,000 Borrowed

100% Secured

60 Months

4.00% APR

$18.42

50% Secured

60 Months

8.00% APR

$20.28

Signature (Personal) Loans

All rates and terms are determined by your Fair Issac Risk Score and Debt Ratio.

Term	APR (Annual Percentage Rate)	Monthly Payment per $1,000 Borrowed
up to 60 Months	as low as 10.00%
up to 48 months	as low as 9.50%
up to 36 months	as low as 9.00%
up to 24 months	as low as 8.75%
up to 12 months	as low as 8.50%