What are the current interest rates at Gather Federal Credit Union?

Current rates for Gather Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 1.50%

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Gather Federal Credit Union

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Gather Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Gather Federal Credit Union?

Yes, to access services at Gather 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gather Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Gather Federal Credit Union's 6 Month CD rates are at 4.00%, 1 Year IRA CD rates are at 3.75%, 1 Year Roth Conversion IRA CD rates are at 3.75%, 1 Year Roth IRA CD rates are at 3.75%, 1 Year CD rates are at 3.75%. Gather Federal Credit Union's Personal Loan Rates are as low as 6.50%. Gather Federal Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Gather Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.01%. Rates last updated and verified on 09/20/2026.

Gather 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 Gather Federal Credit Union? Share your experience about Gather Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gather Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.01%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Gather Federal Credit Union
Kukui Grove Office

4493 Pahee St
Lihue, HI 96766

https://www.gatherfcu.org

Gather Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificate	-	4.00%	6-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
1 Year IRA Share Certificate	-	3.75%	1 - Year
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
1 Year Roth Conversion IRA Share Certificate	-	3.75%	1 - Year
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
1 Year Roth IRA Share Certificate	-	3.75%	1 - Year
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
1 Year Share Certificate	-	3.75%	1-Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
3 Year Share Certificate	-	2.00%	3 - Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
2 Year Share Certificate	-	1.75%	2 - Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
1 - 1/2 Year Share Certificate	-	1.50%	1 - 1/2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
3 Month Share Certificate	-	0.50%	3-Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%

Gather Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.75%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%

Gather Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	9.99%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Visa Credit Card	-	11.99%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Visa Signature Credit Card	-	13.50%
Details Published APR range: 13.50%-18.00%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%

Gather Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	6.50%	4 year
Details Published APR range: 6.50% - 16.75%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Personal Loans	7.00%	5 year
Details Published APR range: 7.00% - 17.00%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Personal Loans	7.50%	6 year
Details Published APR range: 7.50% - 17.50%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Personal Loans	8.00%	7 year
Details Published APR range: 8.00% - 17.99%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Visa Signature Credit Card	13.50%
Details Published APR range: 13.50%-18.00%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%

Gather Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	8.00%
Details Published APR range: 8.00% - 17.50%. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
1 Year Coverdell ESA Share Certificate	-	-	3.75%	1 - Year
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Kasasa Cash Checking	3.93%	-	4.00%
Min Balance $0 Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Balance up to $20,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Kasasa Cash Checking	0.10%	-	0.10%
Min Balance $20,000 Details Published APY range: 0.10% - 0.75%. Balance: Balances over $20,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%
Kasasa Cash Checking	0.02%	-	0.02%
Details Balance: All balances if qualifications aren't met Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Gather Federal Credit Union’s Texas Ratio rose from 1.95% in Q2 2023 to 4.01% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$924M	4.01%	5.0	A+
December 31, 2025	$905M	5.13%	5.0	A+
September 30, 2025	$889M	6.06%	5.0	A
June 30, 2025	$881M	5.87%	5.0	A+
March 31, 2025	$863M	3.44%	5.0	A+
December 31, 2024	$826M	3.81%	5.0	A+
September 30, 2024	$805M	3.79%	5.0	A+
June 30, 2024	$785M	2.39%	5.0	A+
March 31, 2024	$771M	2.12%	5.0	A+
December 31, 2023	$749M	2.39%	5.0	A+
September 30, 2023	$741M	2.93%	5.0	A+
June 30, 2023	$734M	1.95%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Gather 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 Gather 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 Gather Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gather Federal Credit Union

Website https://www.gatherfcu.org

Address 4493 Pahee St, Lihue, HI 96766

Phone 808-245-6791

Fax 808-246-0246

President Kent Kikuchi

CEO Tess Shimabukuro

Full-Time Employees 102

Part-Time Employees 0

Branch Locations 7

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.01%

Return on Assets (ROA)

0.3844%

Return on Equity (ROE)

3.0603%

Non-Performing Loans Ratio (NPL)

1.01%

Total Assets

924,001,960

Total Amount of Shares and Deposits

830,831,151

Total Shares and Deposits < 1 Year

826,316,933

Total Shares and Deposits 1 3 Years

4,514,218

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

25,111,130

Total Uninsured Shares and Deposits > $250K (F+J)

25,111,130

Total Insured Shares and Deposits > $250K (item 17 less item K)

805,720,021

Total Interest Expense (Sum of items 6 8)

2,815,998

Share Certificates

4,292

Number of Accounts for Share Drafts

26,641

IRA KEOGH Accounts

1,238

Number of Accounts for Regular Shares

42,855

All other shares

3,421

Money Market Shares

1,502

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

63,771,249

Total Liabilities

825,781,260

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Gather Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Gather Federal Credit Union

How many branches does Gather Federal Credit Union operate?

Gather 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 Gather Federal Credit Union?

Yes, to access services at Gather 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, Gather 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, Gather Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gather Federal Credit Union offer online and mobile banking?

Most modern institutions like Gather 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.gatherfcu.org.