Garden Island Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.30%	Savings	Primary Regular Share 1.80% - American Express National Bank High Yield Savings Account
0.30%	Savings	Special Share Account 1.80% - American Express National Bank High Yield Savings Account
0.10%	Checking	Share Draft Checking 0.90% - nbkc bank Personal Account

View all Garden Island Federal Credit Union rates »

Overview / Commentary

www.gardenislandfcu.com

808-245-2712

2973 Kele St
Lihue, HI 96766

Garden Island Federal Credit Union is headquartered in Lihue and is the 20^th largest credit union in the state of Hawaii. It is also the 1,651^st largest credit union in the nation. It was established in 1938 and as of June of 2018, it had grown to 15 employees and 7,500 members at 2 locations. Garden Island Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school on Kauai and to immediate family of current members.
See current membership details

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Health

A

Data as of Q2 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Garden Island Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	24796
Year Chartered	1938
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	0.26%
Return on Equity - YTD	1.81%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$96.6MM$94.6MM
Loans	Q2 2018vs Q2 2017	$20.6MM$21.6MM
Deposits	Q2 2018vs Q2 2017	$82.8MM$80.6MM
Equity Capital	Q2 2018vs Q2 2017	$13.7MM$13.9MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$238.00K$227.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$375.00K$438.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Garden Island Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$25	-	Individual Retirement Account
0.30%^*	$40k^*	-	Primary Regular Share
OTHER TIERS: 0.10% → $100 - $10k \| 0.20% → $10k - $40k
0.30%^*	$40k^*	-	Special Share Account
OTHER TIERS: 0.10% → $5 - $10k \| 0.20% → $10k - $40k
0.10%	$5	-	Christmas Savings
0.10%	$5	-	Vacation Account

Garden Island Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$5	-	Share Draft Checking

Locations

Garden Island Federal Credit Union Locations
Branch Office	2973 Kele St	Lihue, HI 96766
Branch Office	3417 Poipu Rd # 701	Koloa, HI 96756-8517

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