Garden Island Federal Credit Union

Overview / Commentary
2973 Kele St
Lihue, HI 96766

Garden Island Federal Credit Union is headquartered in Lihue and is the 22nd largest credit union in the state of Hawaii. It is also the 1,660th largest credit union in the nation. It was established in 1938 and as of September of 2019, it had grown to 18 employees and 7,273 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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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

NCUA #24796
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD4.53%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$96.1MM$95.9MM
LoansQ3 2019vs Q3 2018$28.5MM$20.4MM
DepositsQ3 2019vs Q3 2018$81.3MM$81.9MM
Equity CapitalQ3 2019vs Q3 2018$14.6MM$13.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$307.00K$281.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$243.00K$477.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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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

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

0.10%$5-Share Draft Checking

Garden Island Federal Credit Union Locations
Branch Office2973 Kele StLihue, HI 96766
Branch Office3417 Poipu Rd # 701Koloa, HI 96756-8517

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