--- title: "Gather Credit Union Rates - Hawaii" description: "Current auto loan, personal loan, credit card, and savings & cd rates from Gather Credit Union in Hawaii. Updated daily with source verification. See who can join Gather Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/gather" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Gather Credit Union Rates - Hawaii ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **New & Used - 100% Financing** auto_any_60mo | — APR | 5.750% | 60 mo · any | Standard | | **New & Used - 100% Financing** auto_any_72mo | — APR | 5.990% | 72 mo · any | Standard | | **New & Used - 100% Financing** auto_any_84mo | — APR | 6.250% | 84 mo · any | Standard | Gather Credit Union auto & vehicle rates as of November 9, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **100% Share Secured** personal_secured | — APR | 3.250% | — | Standard | | **PV Loan** personal | — APR | 4.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 5.500% | — | Standard | | **50% Share Secured** personal_secured | — APR | 7.000% | — | Standard | | **25% Share Secured** personal_secured | — APR | 8.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 8.000% | — | Standard | | **10% Share Secured** personal_secured | — APR | 8.500% | — | Standard | Gather Credit Union personal loan rates as of November 9, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured Visa Credit Card** credit_card_secured | — APR | 7.000% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 9.990% | — | Standard | | **Credit Card** credit_card | — APR | 11.990% | — | Standard | | **Visa Signature Credit Card** credit_card_platinum | — APR | 13.500% | — | Standard | Gather Credit Union credit card rates as of November 9, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **All balances if qualifications aren't met** savings | — APY | 0.02% | — | Standard | | **Balances over $20,000** savings | — APY | 0.10% | — | Standard | | **Balance up to $20,000** savings | — APY | 4.00% | — | Standard | Gather Credit Union savings & cd rates as of November 9, 2026 Gather Credit Union is a credit union in Hawaii. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/gather) , verified from [Gather Credit Union's official website](https://gatherfcu.org/) Loading branch locator… ## About Gather Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 40.5K Assets $924M Founded 1954 Locations reported 7 NCUA charter 9381 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 counseling - Financial education - Student scholarships - Credit-builder products 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. [**Garden Island** Garden Island Federal Credit Union · Lihue · HI · 96766 About 3.4 miles away](https://rateapi.dev/credit-unions/hawaii/garden-island) [**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 Gather Credit Union Membership eligibility from Gather Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Kauai - Location Kauai **Cost to join:** About $6 (a $1 membership fee plus a $5 minimum deposit). Verified from [Gather Credit Union's membership page](https://www.gatherfcu.org/about/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Gather Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### 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: Kauai County, HI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) 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 Gather Credit Union? Yes No ## Work at Gather 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 Gather Credit Union ranks against Hawaii peers. - See which AI assistants fetched Gather 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=gather&state=hawaii&code=HI&name=Gather%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Gather Credit Union offer? Gather Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 9, 2026 directly from the credit union's official website. ### How often are Gather Credit Union rates updated? RateAPI verifies Gather Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 9, 2026. ### Where does RateAPI get Gather Credit Union's rate data? Rate data is collected directly from Gather 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 Gather Credit Union? Community charter: live/work in Kauai RateAPI tracks 1 published membership path covering 1 county for Gather Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Gather 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://gatherfcu.org/) ### 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 Gather 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 Gather Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /gather " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Gather Credit Union locations Search, filter, and browse all 7 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/gather Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp