--- title: "Garden Island Credit Union Rates - Hawaii" description: "Current auto loan, personal loan, credit card, and savings & cd rates from Garden Island Credit Union in Hawaii. Updated daily with source verification. See who can join Garden Island Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/garden-island" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Garden Island Credit Union Rates - Hawaii ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Used Auto Loan** auto_used_60mo | — APR | 4.490% | 60 mo · used | Standard | | **New Auto and Used Auto (2 Years Old) (60 Months)** auto_any_60mo | — APR | 4.490% | 60 mo · any | Standard | | **New Auto Loan** auto_new | — APR | 4.490% | new | Standard | | **Used Auto (3 to 5 Years Old) (60 Months)** auto_used_60mo | — APR | 4.990% | 60 mo · used | Standard | | **New Auto and Used Auto (2 Years Old) (72 Months)** auto_any_72mo | — APR | 4.990% | 72 mo · any | Standard | | **Used Auto Loan** auto_used | — APR | 4.990% | used | Standard | | **New Auto and Used Auto (2 Years Old) (84 Months)** auto_any_84mo | — APR | 5.490% | 84 mo · any | Standard | | **Used Auto (3 to 5 Years Old) (72 Months)** auto_used_72mo | — APR | 5.490% | 72 mo · used | Standard | | **Used Auto Equity (60 Months)** auto_used_60mo | — APR | 5.490% | 60 mo · used | Standard | | **Older Used Auto (6 Years and Older) (60 Months)** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **Used Auto (3 to 5 Years Old) (84 Months²)** auto_used_84mo | — APR | 5.990% | 84 mo · used | Standard | | **(autos over five years old) (60 Months)** auto_any_60mo | — APR | 6.490% | 60 mo | Standard | | **72-Month Used Auto Loan (2020 and Older)** auto_used_72mo | — APR | 6.490% | 72 mo · used | Standard | | **96-Month Auto Loan** auto_any_96mo | — APR | 6.490% | 96 mo | Standard | | **New Auto and Used Auto (2 Years Old) (96 Months¹)** auto_any_96mo | — APR | 6.490% | 96 mo · any | Standard | Garden Island Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **100% Share Secured (12 Months)** personal_secured_12mo | — APR | 3.250% | 12 mo | Standard | | **100% Share Secured (13 - 36 Months)** personal_secured_36mo | — APR | 3.500% | 36 mo | Standard | | **100% Share Secured (37 - 72 Months)** personal_secured_72mo | — APR | 3.750% | 72 mo | Standard | | **100% Share Secured (73 - 120 Months)** personal_secured_120mo | — APR | 4.000% | 120 mo | Standard | | **50% Share Secured (12 Months)** personal_secured_12mo | — APR | 4.500% | 12 mo | Standard | | **50% Share Secured (13 - 36 Months)** personal_secured_36mo | — APR | 5.500% | 36 mo | Standard | | **50% Share Secured (37 - 72 Months)** personal_secured_72mo | — APR | 6.500% | 72 mo | Standard | Garden Island Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 6.990% | — | Standard | | **VISA® Classic** credit_card | — APR | 7.990% | — | Standard | Garden Island Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 39 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft Checking** checking | — APY | 0.10% | — | Standard | | **$100.00 - $10,000.00** savings | — APY | 0.10% | — | Standard | | **Primary Share Account ($100.00 - $10,000.00)** share_savings | — APY | 0.10% | — | Standard | | **Savings** share_savings | — APY | 0.10% | — | Standard | | **Christmas Savings** savings | — APY | 0.10% | — | Specialty offer | | **Māla Checking** checking | — APY | 0.15% | — | Standard | | **$10,000.01 - $40,000.00** savings | — APY | 0.20% | — | Standard | | **Primary Share Account ($10,000.01 - $40,000.00)** share_savings | — APY | 0.20% | — | Standard | | **$40,000.01 Or Greater** savings | — APY | 0.30% | — | Standard | | **Primary Share Account ($40,000.01 or greater)** share_savings | — APY | 0.30% | — | Standard | | **Platinum Club^** savings | — APY | 0.35% | — | Standard | | **Money Market** money_market | — APY | 0.60% | — | Standard | | **Individual Retirement Account (IRA), Roth, Coverdell** ira | — APY | 2.00% | — | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.50% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.65% | 36 mo | Standard | | **Jumbo Share Certificates (24 Month)** share_certificate_24mo | — APY | 2.65% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 2.75% | 18 mo | Standard | | **Jumbo Share Certificates (36 Month)** share_certificate_36mo | — APY | 2.75% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 2.80% | 48 mo | Standard | | **Loyalty Share Certificates*** (24 Month)** share_certificate_24mo | — APY | 2.80% | 24 mo | Standard | | **Loyalty Share Certificates*** (36 Month)** share_certificate_36mo | — APY | 2.90% | 36 mo | Standard | | **Jumbo Share Certificates (18 Month)** share_certificate_18mo | — APY | 2.90% | 18 mo | Standard | | **Jumbo Share Certificates (48 Month)** share_certificate_48mo | — APY | 2.90% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 2.90% | 60 mo | Standard | | **Jumbo Share Certificates (60 Month)** share_certificate_60mo | — APY | 3.00% | 60 mo | Standard | | **Loyalty Share Certificates*** (18 Month)** share_certificate_18mo | — APY | 3.05% | 18 mo | Standard | | **Loyalty Share Certificates*** (48 Month)** share_certificate_48mo | — APY | 3.05% | 48 mo | Standard | | **Loyalty Share Certificates*** (60 Month)** share_certificate_60mo | — APY | 3.15% | 60 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 3.25% | 12 mo | Standard | | **Jumbo Share Certificates (12 Month)** share_certificate_12mo | — APY | 3.40% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 3.50% | 6 mo | Standard | | **Certificate** share_certificate | — APY | 3.55% | — | Standard | | **Loyalty Share Certificates*** (12 Month)** share_certificate_12mo | — APY | 3.55% | 12 mo | Standard | | **Jumbo Share Certificates (6 Month)** share_certificate_6mo | — APY | 3.65% | 6 mo | Standard | | **Loyalty Share Certificates*** (6 Month)** share_certificate_6mo | — APY | 3.80% | 6 mo | Standard | | **Loyalty Certificate** share_certificate | — APY | 3.80% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.49% | 60 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 4.99% | 72 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.49% | 84 mo | Standard | Garden Island Credit Union savings & cd rates as of November 12, 2026 Garden Island Credit Union is a credit union in Hawaii. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/garden-island) , verified from [Garden Island Credit Union's official website](https://www.gardenislandfcu.com/) Loading branch locator… ## About Garden Island Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.3K Assets $125.7M Founded 1938 Locations reported 4 NCUA charter 24796 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Gather** Walmart Lihue · Lihue · HI · 96766 About 3.1 miles away](https://rateapi.dev/credit-unions/hawaii/gather) [**Kauai Ohana** Kauai Ohana FCU · Lihue · HI · 96766-1345 About 3.5 miles away](https://rateapi.dev/credit-unions/hawaii/kauai-ohana) [**Kauai** Main Branch · Lihue · HI · 96766 About 3.6 miles away](https://rateapi.dev/credit-unions/hawaii/kauai) [**Aloha Pacific** Kekaha Branch · Kekaha · HI · 96752 About 19.9 miles away](https://rateapi.dev/credit-unions/hawaii/aloha-pacific) [**Pearl Hawaii** Waianae Branch · Waianae · HI · 96792 About 87.4 miles away](https://rateapi.dev/credit-unions/hawaii/pearl-hawaii) [**Waialua** Waialua Federal Credit Union · Waialua · HI · 96791-8104 About 87.7 miles away](https://rateapi.dev/credit-unions/hawaii/waialua) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Garden Island Credit Union Membership eligibility from Garden Island Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Garden Island Credit Union's website. Check the membership page below to confirm whether you qualify. - Location kauai — HI Verified from [Garden Island Credit Union's membership page](https://www.gardenislandfcu.com/our-history) . Final membership determination is always made by the credit union. ## Membership rules for Garden Island Credit Union Geography 1 county · Family 2 3 published paths to membership, last verified August 27, 2026, quoted from Garden Island Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Kauai County, HI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Shelby County, AL; Kauai County, HI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, marriage relative “Family members (related by blood or marriage) of any member of Garden Island FCU are also eligible.” > [source ↗](https://www.gardenislandfcu.com/membership) - Family member (blood relative, marriage relative) of a member - Family of a member immediate family “In 2007, we changed our name to Garden Island Federal Credit Union when we expanded our field of membership to include all residents on Kaua’i and their immediate families.” > [source ↗](https://www.gardenislandfcu.com/our-history) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Garden Island Credit Union? Yes No ## Work at Garden Island Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Garden Island Credit Union ranks against Hawaii peers. - See which AI assistants fetched Garden Island Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Hawaii - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=garden-island&state=hawaii&code=HI&name=Garden%20Island%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Garden Island Credit Union offer? Garden Island Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Garden Island Credit Union rates updated? RateAPI verifies Garden Island Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Garden Island Credit Union's rate data? Rate data is collected directly from Garden Island Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Garden Island Credit Union? Garden Island Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county for Garden Island Credit Union, each quoted from Garden Island Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Garden Island Credit Union's rates against national credit-union benchmarks. [More Hawaii credit unions](https://rateapi.dev/credit-unions/hawaii) [Hawaii auto loan rate leaders](https://rateapi.dev/auto-loan-rates/hawaii) [Hawaii personal loan leaders](https://rateapi.dev/personal-loan-rates/hawaii) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.gardenislandfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Garden Island Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Hawaii credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Garden Island Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /garden-island " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Garden Island Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/hawaii/garden-island Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp