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Gather Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.gatherfcu.org
808-245-6791
4493 Pahee St
Lihue, HI 96766

Gather Federal Credit Union is headquartered in Lihue and is the 7th largest credit union in the state of Hawaii. It is also the 513th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 98 employees and 39,170 members at 6 locations. Gather Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Gather Federal Credit Union is open to those who live, work, worship, attend school, or operate a business on the islands of Kauai or Niihau in Hawaii. Immediate family members of those eligible to join qualify for membership.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #9381
Year Chartered1954
Employees98
Primary Regulator
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD15.19%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$863MM$770.8MM
LoansQ1 2025vs Q1 2024$453.6MM$420.3MM
DepositsQ1 2025vs Q1 2024$782.5MM$701.2MM
Equity CapitalQ1 2025vs Q1 2024$82.1MM$64.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.5MM$5.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.7MM$2.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gather Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0$40kKasasa Saver
0.10%$100-Share Savings Account
0.10%$100-Sub Share Account
0.10%$100-Multiple Signature Account
0.10%$0-Christmas Club
0.10%$100-Coverdell ESA Share Account
0.10%$100-Business Savings

Gather Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$100k-Signature CUMMSA
0.50%$25k-Premier CUMMSA
0.25%*$2k*-CUMMSA
OTHER TIERS: 0.05% → $0 - $2k

Gather Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$0$20kKasasa Cash
OTHER TIERS: 0.10% → $20k+
0.05%$0-Share Draft Checking
0.05%$10k-Business Checking

Gather Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-5 Month Share Certificate
3.75%$1k-1 Year Share Certificate
2.00%$1k-3 Year Share Certificate
1.75%$1k-2 Year Share Certificate
1.50%$1k-18 Month Share Certificate
0.50%$1k-3 Month Share Certificate

Gather Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-1 Year IRA Share Certificate
3.75%$500-1 Year Roth IRA Share Certificate
3.75%$500-1 Year Roth Conversion IRA Share Certificate
3.75%$500-1 Year Coverdell ESA Share Certificate
0.10%$100-IRA Share Account
0.10%$100-Roth IRA Share Account
0.10%$100-Roth Conversion IRA Share Account
Locations


Gather Federal Credit Union Locations
Branch Office9936 Kaumualii HwyWaimea, HI 96796
Branch Office985 Kipuni WayKapaa, HI 96746
Branch Office4493 Pahee StLihue, HI 96766
Branch Office4469 Waialo Rd Eleele Shopping CenterEleele, HI 96705
Branch Office3483 Weliweli Rd # 4Koloa, HI 96756
Branch Office3-3300 Kuhio HwyLihue, HI 96766

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