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iAdvertiser Disclosure
Advertiser Disclosure
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 Garden Island Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
Garden Island Federal Credit Union's Loyalty CDs 6 Month rates are at 3.85%, Jumbo CDs 6 Month rates are at 3.70%, Loyalty CDs 12 Month rates are at 3.60%, 6 Month CDs rates are at 3.55%, Jumbo CDs 12 Month rates are at 3.44%. Garden Island Federal Credit Union's savings rates are at 0.10%. Garden Island Federal Credit Union's money market rates are at 0.60%. Garden Island Federal Credit Union's Personal Loan Rates are at 5.00%. MonitorBankRates evaluates the financial stability of Garden Island Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.39%. Rates were last updated on 04/06/2026. Garden Island Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Garden Island Federal Credit Union? Share your experience about Garden Island Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Garden Island Federal Credit Union. Garden Island Federal Credit Union
Garden Island Federal Credit Union 2973 Kele St
https://www.gardenislandfcu.com Lihue, HI 96766 
Garden Island Federal Credit Union CD Rates
Garden Island Federal Credit Union Savings Rates
Garden Island Federal Credit Union Money Market Rates
Garden Island Federal Credit Union Checking Rates
Garden Island Federal Credit Union Credit Card Rates
Garden Island Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Garden Island Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Garden Island Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Garden Island Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Garden Island Federal Credit Union
Website
https://www.gardenislandfcu.com
Address
2973 Kele St,
Lihue, HI 96766
Phone
808-245-2712
Fax
President
Melvin Ota
CEO
Shane Corregedore
Full-Time Employees
23
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.39%
Return on Assets (ROA)
0.2865%
Return on Equity (ROE)
2.0512%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
121,129,124
Total Amount of Shares and Deposits
104,596,645
Total Shares and Deposits < 1 Year
104,365,895
Total Shares and Deposits 1 3 Years
180,538
Total Shares and Deposits > 3 Years
50,211
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,177,414
Total Uninsured Shares and Deposits > $250K (F+J)
4,177,414
Total Insured Shares and Deposits > $250K (item 17 less item K)
100,419,231
Total Interest Expense (Sum of items 6 8)
875,705
Share Certificates
629
Number of Accounts for Share Drafts
3,878
IRA KEOGH Accounts
256
Number of Accounts for Regular Shares
7,221
All other shares
462
Money Market Shares
65
Net Income (unless the amount is already included in Undivided Earnings)
147,118
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,548,292
Total Liabilities
104,928,633
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Garden Island Federal Credit UnionIs Garden Island Federal Credit Union a safe place to deposit money?Yes, Garden Island Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.3859808405136%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Garden Island Federal Credit Union operate?Garden Island Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Garden Island Federal Credit Union?Yes, to access services at Garden Island Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Garden Island Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Garden Island Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Garden Island Federal Credit Union offer online and mobile banking?Most modern institutions like Garden Island Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gardenislandfcu.com. Current Garden Island Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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