Featured Savings Rates
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Garden Island Federal Credit Union

Popular Accounts at this Credit Union

0.30%SavingsPrimary Regular Share
0.30%SavingsSpecial Share Account
0.10%CheckingShare Draft Checking

Overview / Commentary
2973 Kele St
Lihue, HI 96766

Garden Island Federal Credit Union is headquartered in Lihue and is the 20th largest credit union in the state of Hawaii. It is also the 1,648th largest credit union in the nation. It was established in 1938 and as of December of 2015, it had grown to 15 employees and 8,115 members at 2 locations. Garden Island Federal Credit Union's savings rates are 92% higher than the national average, and it 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 - YTD0.18%
Return on Equity - YTD1.25%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$90.6MM$88.4MM
LoansQ4 2015vs Q4 2014$22.3MM$19.5MM
DepositsQ4 2015vs Q4 2014$77.2MM$75.1MM
Equity CapitalQ4 2015vs Q4 2014$13.3MM$13.2MM
Loan Loss AllowanceQ4 2015vs Q4 2014$236.00K$294.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$181.00K$176.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$0
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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% Up to $10k | 0.20% $10k - $40k
0.10%--Christmas Savings
0.10%--Vacation Account

Garden Island Federal Credit Union Checking Account Rates

0.10%--Share Draft Checking

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