Garden Island Credit Union

Lihue, Hawaii
Last verified: August 4, 2026
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Verified rate book

Current Garden Island Credit Union rates

66 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

17 offers
Garden Island Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Used Auto Loanauto_used_60mo4.490% APR4.490%60 mo · usedStandard
New Auto and Used Auto (2 Years Old) (60 Months)auto_any_60mo4.490% APR4.490%60 mo · anyStandard
New Auto Loanauto_new4.490% APR4.490%newStandard
Used Auto Loanauto_used4.990% APR4.990%usedStandard
New Auto and Used Auto (2 Years Old) (72 Months)auto_any_72mo4.990% APR4.990%72 mo · anyStandard
Used Auto (3 to 5 Years Old) (60 Months)auto_used_60mo4.990% APR4.990%60 mo · usedStandard
Used Auto Equityauto_used_84mo5.490% APR5.490%84 mo · usedStandard
Used Auto (3 to 5 Years Old) (72 Months)auto_used_72mo5.490% APR5.490%72 mo · usedStandard
Used Auto Equity (60 Months)auto_used_60mo5.490% APR5.490%60 mo · usedStandard
New Auto and Used Auto (2 Years Old) (84 Months)auto_any_84mo5.490% APR5.490%84 mo · anyStandard
Older Used Auto (6 Years and Older) (60 Months)auto_used_60mo5.990% APR5.990%60 mo · usedStandard
Used Auto (3 to 5 Years Old) (84 Months²)auto_used_84mo5.990% APR5.990%84 mo · usedStandard
(autos over five years old) (60 Months)auto_any_60mo6.490% APR6.490%60 moStandard
96-Month Auto Loanauto_any_96mo6.490% APR6.490%96 moStandard
72-Month Used Auto Loan (2020 and Older)auto_used_72mo6.490% APR6.490%72 mo · usedStandard
Older Used Auto Equityauto_used_96mo6.490% APR6.490%96 mo · usedStandard
New Auto and Used Auto (2 Years Old) (96 Months¹)auto_any_96mo6.490% APR6.490%96 mo · anyStandard

Personal loan rates

9 offers
Garden Island Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
100% Share Secured (12 Months)personal_secured_12mo3.250% APR3.250%12 moStandard
100% Share Secured (13 - 36 Months)personal_secured_36mo3.500% APR3.500%36 moStandard
100% Share Secured (37 - 72 Months)personal_secured_72mo3.750% APR3.750%72 moStandard
100% Share Secured (73 - 120 Months)personal_secured_120mo4.000% APR4.000%120 moStandard
50% Share Secured (12 Months)personal_secured_12mo4.500% APR4.500%12 moStandard
Personal Loanpersonal5.000% APR5.000%—Standard
50% Share Secured (13 - 36 Months)personal_secured_36mo5.500% APR5.500%36 moStandard
50% Share Secured (37 - 72 Months)personal_secured_72mo6.500% APR6.500%72 moStandard
Share Draft Line of Creditploc_variable7.990% APR7.990%—Standard

Credit card rates

2 offers
Garden Island Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card6.990% APR6.990%—Standard
VISA® Classiccredit_card7.990% APR7.990%—Standard

Savings & CD rates

38 offers
Garden Island Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Draft Checkingsavings0.10% APY0.10%—Standard
$100.00 - $10,000.00savings0.10% APY0.10%—Standard
Primary Share Account ($100.00 - $10,000.00)share_savings0.10% APY0.10%—Standard
Savingsshare_savings0.10% APY0.10%—Standard
Māla Checkingsavings0.15% APY0.15%—Standard
$10,000.01 - $40,000.00savings0.20% APY0.20%—Standard
Primary Share Account ($10,000.01 - $40,000.00)share_savings0.20% APY0.20%—Standard
$40,000.01 Or Greatersavings0.30% APY0.30%—Standard
Primary Share Account ($40,000.01 or greater)share_savings0.30% APY0.30%—Standard
Platinum Club^savings0.35% APY0.35%—Standard
Money Marketmoney_market0.60% APY0.60%—Standard
Individual Retirement Account (IRA), Roth, Coverdellira2.00% APY2.00%—Standard
24-Month Certificateshare_certificate_24mo2.50% APY2.50%24 moStandard
36-Month Certificateshare_certificate_36mo2.65% APY2.65%36 moStandard
Jumbo Share Certificates (24 Month)share_certificate_24mo2.65% APY2.65%24 moStandard
18-Month Certificateshare_certificate_18mo2.75% APY2.75%18 moStandard
Jumbo Share Certificates (36 Month)share_certificate_36mo2.75% APY2.75%36 moStandard
48-Month Certificateshare_certificate_48mo2.80% APY2.80%48 moStandard
Loyalty Share Certificates*** (24 Month)share_certificate_24mo2.80% APY2.80%24 moStandard
Jumbo Share Certificates (18 Month)share_certificate_18mo2.90% APY2.90%18 moStandard
60-Month Certificateshare_certificate_60mo2.90% APY2.90%60 moStandard
Jumbo Share Certificates (48 Month)share_certificate_48mo2.90% APY2.90%48 moStandard
Loyalty Share Certificates*** (36 Month)share_certificate_36mo2.90% APY2.90%36 moStandard
Jumbo Share Certificates (60 Month)share_certificate_60mo3.00% APY3.00%60 moStandard
Loyalty Share Certificates*** (18 Month)share_certificate_18mo3.05% APY3.05%18 moStandard
Loyalty Share Certificates*** (48 Month)share_certificate_48mo3.05% APY3.05%48 moStandard
Loyalty Share Certificates*** (60 Month)share_certificate_60mo3.15% APY3.15%60 moStandard
12-Month Certificateshare_certificate_12mo3.25% APY3.25%12 moStandard
Jumbo Share Certificates (12 Month)share_certificate_12mo3.40% APY3.40%12 moStandard
6-Month Certificateshare_certificate_6mo3.50% APY3.50%6 moStandard
Loyalty Share Certificates*** (12 Month)share_certificate_12mo3.55% APY3.55%12 moStandard
Certificateshare_certificate3.55% APY3.55%—Standard
Jumbo Share Certificates (6 Month)share_certificate_6mo3.65% APY3.65%6 moStandard
Loyalty Share Certificates*** (6 Month)share_certificate_6mo3.80% APY3.80%6 moStandard
Loyalty Certificateshare_certificate3.80% APY3.80%—Standard
60-Month Certificatecd_60mo4.49% APY4.49%60 moStandard
72-Month Certificatecd_72mo4.99% APY4.99%72 moStandard
84-Month Certificatecd_84mo5.49% APY5.49%84 moStandard

Auto loans available from 4.49% APR for 60 months. Personal loan rates from 3.25% APR. Credit card rates from 6.99% APR. Savings and certificate yields up to 5.49% APY.

Source: RateAPI.dev, verified from Garden Island Credit Union's official website

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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. 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.

GatherKukui Grove Office · Lihue · HI · 96766Branch in the same ZIPHawaiiusaLihue Branch · Lihue · HI · 96766-2040Branch in the same ZIPKauai OhanaKauai Ohana FCU · Lihue · HI · 96766-1345Branch in the same ZIPKauaiMain Branch · Lihue · HI · 96766Branch in the same ZIPAloha PacificKekaha Branch · Kekaha · HI · 96752About 19.1 miles awayWaialuaWaialua Federal Credit Union · Waialua · HI · 96791-8104About 84.2 miles away

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.

Membership criteria are published on Garden Island Credit Union's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $6 (a $1 membership fee plus a $5 minimum deposit).

Verified from Garden Island Credit Union's membership page. Final membership determination is always made by the credit union.

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.

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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 August 4, 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 August 4, 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.

What are Garden Island Credit Union's auto loan rates?

As of August 4, 2026, Garden Island Credit Union offers auto loans from 4.49% APR.

What is Garden Island Credit Union's personal loan rate?

As of August 4, 2026, Garden Island Credit Union offers personal loans from 3.25% APR.

What is Garden Island Credit Union's best CD rate?

As of August 4, 2026, Garden Island Credit Union offers savings and certificate (CD) yields up to 5.49% APY.

Related Rate Data

Compare Garden Island Credit Union's rates against national credit-union benchmarks.

More Hawaii credit unionsAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Garden Island Credit Union
curl "https://api.rateapi.dev/credit-unions/hawaii/garden-island" \
  -H "Authorization: Bearer YOUR_API_KEY"
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