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Garden Island Federal Credit Union


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 22nd largest credit union in the state of Hawaii. It is also the 1,677th largest credit union in the nation. It was established in 1938 and as of March of 2020, it had grown to 16 employees and 7,259 members at 2 locations. Garden Island Federal Credit Union's money market rates are 59% higher than the national average, and it has a B+ 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
B+

Data as of Q1 2020

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, and a negative return on assets.

Health Grade Components

Overall
NCUA #24796
Year Chartered1938
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD-2.44%
Return on Equity - YTD-16.7%
Annual Interest Income$361.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$97.4MM$96.9MM
LoansQ1 2020vs Q1 2019$35.8MM$24.0MM
DepositsQ1 2020vs Q1 2019$83.0MM$82.5MM
Equity CapitalQ1 2020vs Q1 2019$14.1MM$14.2MM
Loan Loss AllowanceQ1 2020vs Q1 2019$444.00K$318.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$423.00K$405.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Garden Island Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%$25-Individual Retirement Account
0.45%*$10k*$40kPlatinum Club
OTHER TIERS: 0.35% → $2.5k - $10k
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 Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Money Market Account
OTHER TIERS: 0.30% → $5k - $50k | 0.50% → $50k - $100k

Garden Island Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5-Share Draft Checking
0.10%$5-Mala Checking

Garden Island Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$500-24 Month Share Certificate
1.31%$500-18 Month Share Certificate
1.05%$500-12 Month Share Certificate
0.80%$500-6 Month Share Certificate

Garden Island Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$500-24 Month IRA
1.31%$500-18 Month IRA
1.05%$500-12 Month IRA
0.80%$500-6 Month IRA
Locations


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

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