What are the current interest rates at Garden Island Federal Credit Union?

Current rates for Garden Island Federal Credit Union include: 12-Month CD: 3.29%, 18-Month CD: 2.78%, 24-Month CD: 2.52%, 60-Month CD: 2.93%, Savings: 0.10%, MMA: 1.41%

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Garden Island Federal Credit Union

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Garden Island Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Garden Island Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Garden Island Federal Credit Union's top rates as of October 13, 2026 are 3.85% APY on its Loyalty CDs - 6 Month CD, 0.10% APY on savings, 1.41% APY on money market accounts, 0.15% APY on checking, auto loans from 4.49% APR, and credit cards from 6.99% APR, according to rates verified by MonitorBankRates. Other Garden Island Federal Credit Union CD rates include Jumbo CDs - 6 Month at 3.70%, Loyalty CDs - 12 Month at 3.60%, and CDs - 6 Month at 3.55%. MonitorBankRates evaluates the financial stability of Garden Island Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.78%. Rates last updated and verified on 10/13/2026.

Garden Island Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Garden Island Federal Credit Union? Share your experience about Garden Island Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Garden Island Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Garden Island Federal Credit Union
Garden Island Federal Credit Union

2973 Kele St
Lihue, HI 96766

https://www.gardenislandfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Garden Island Federal Credit Union CD Rates

Product	Rate	APY	Term
Loyalty Share Certificates - 6 Month	3.80%	3.85%	6 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 6 Month	3.65%	3.70%	6 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Loyalty Share Certificates - 12 Month	3.55%	3.60%	12 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 6 Month	3.50%	3.55%	6 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 12 Month	3.40%	3.44%	12 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.44% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 12 Month	3.25%	3.29%	12 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.29% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Loyalty Share Certificates - 60 Month	3.15%	3.19%	60 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.19% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Loyalty Share Certificates - 18 Month	3.05%	3.09%	18 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.09% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Loyalty Share Certificates - 48 Month	3.05%	3.09%	48 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.09% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 60 Month	3.00%	3.03%	60 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 18 Month	2.90%	2.93%	18 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.93% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 48 Month	2.90%	2.93%	48 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.93% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Loyalty Share Certificates - 36 Month	2.90%	2.93%	36 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.93% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 60 Month	2.90%	2.93%	60 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.93% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Loyalty Share Certificates - 24 Month	2.80%	2.83%	24 Month
Min Deposit $10,000 Details Available only to members of at least fifteen (15) years of membership Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.83% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 48 Month	2.80%	2.83%	48 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.83% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 36 Month	2.75%	2.78%	36 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 18 Month	2.75%	2.78%	18 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.78% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Jumbo Share Certificates - 24 Month	2.65%	2.68%	24 Month
Min Deposit $100,000 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 36 Month	2.65%	2.68%	36 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Certificates - 24 Month	2.50%	2.52%	24 Month
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.52% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Garden Island Federal Credit Union Savings Rates

Product	Rate	APY
Platinum Club	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000.01 or $40,000.00 (as printed); Platinum Club Account footnote (^) applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Platinum Club	0.35%	0.35%
Min Balance $2,500 Details Balance: $2,500.00 - $10,000.00; Platinum Club Account footnote (^) applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Christmas Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Garden Island Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.40%	1.41%
Min Balance $100,000 Details Balance: $100,000.01 or greater Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.41% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Money Market Account	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000.01 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Money Market Account	0.60%	0.60%
Min Balance $5,000 Details Balance: $5,000.00 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Garden Island Federal Credit Union Checking Rates

Product	Rate	APY
Mala Checking	0.15%	0.15%
Min Balance $5 Details Balance: $5.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Share Draft Checking	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Garden Island Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto and Used Auto (2 Years Old) - 60 Months Loan	-	-	4.49%	60 Months
Details Published APR range: 4.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
New Auto and Used Auto (2 Years Old) - 72 Months Loan	-	-	4.99%	72 Months
Details Published APR range: 4.99% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Used Auto (3 to 5 Years Old)	-	-	4.99%	60 Months
Details Published APR range: 4.99% - 17.49%. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
New Auto and Used Auto (2 Years Old) - 84 Months Loan	-	-	5.49%	84 Months
Details Published APR range: 5.49% - 17.49%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); rates subject to borrower credit history, loan term and vehicle year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Used Auto (3 to 5 Years Old)	-	-	5.49%	72 Months
Details Published APR range: 5.49% - 17.49%. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Used Auto Equity - 60 Months Loan	-	-	5.49%	60 Months
Details Published APR range: 5.49% - 15.99%. Used Auto Equity loan; Rates subject to change without notice; actual rate based on credit history, loan term and year of vehicle Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Older Used Auto (6 Years and Older) - 60 Months Loan	-	-	5.99%	60 Months
Details Published APR range: 5.99% - 17.49%. Vehicles 6 years and older; APR range based on credit history, loan term and year of vehicle Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Used Auto (3 to 5 Years Old)	-	-	5.99%	84 Months
Details Published APR range: 5.99% - 17.49%. 84 months term available for Used Autos 3 to 4 years old. APR is Annual Percentage Rate. Rates are subject to change without notice. Actual rate will be based on borrower's credit history, loan term and year of vehicle. Certain terms and restrictions may apply. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
New Auto and Used Auto (2 Years Old) - 96 Months Loan	-	-	6.49%	96 Months
Details Published APR range: 6.49% - 9.99%. Auto loan for new autos and used autos 2 years old; Annual Percentage Rate (APR*); 96 months term available for New Autos with loan to value no greater than 115%; additional conditions and restrictions apply Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Older Used Auto (6 Years and Older) - 72 Months Loan	-	-	6.49%	72 Months
Details Published APR range: 6.49% - 17.49%. Term available for vehicles 6 years old only; APR range based on credit history, loan term and year of vehicle Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Older Used Auto Equity (autos over five years old)	-	-	6.49%	60 Months
Details Published APR range: 6.49% - 15.99%. Vehicles over five years old; APR is subject to change without notice and is based on borrower's credit history, loan term and year of vehicle Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Garden Island Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Gold	-	6.99%
Details Published APR range: 6.99% - 11.99%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
VISA Classic	-	7.99%
Details Published APR range: 7.99% - 12.99%. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Garden Island Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Individual Retirement Account (IRA), Roth, Coverdell	2.00%	-	2.02%
Min Balance $25 Details Balance: $25.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Primary Share Account	0.10%	-	0.10%
Min Balance $100 Details Balance: $100.00 - $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Primary Share Account	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000.01 - $40,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Primary Share Account	0.30%	-	0.30%
Min Balance $40,000 Details Balance: $40,000.01 or greater Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Special Share Account	0.10%	-	0.10%
Min Balance $5 Details Balance: $5.00 - $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Special Share Account	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000.01 - $40,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Special Share Account	0.30%	-	0.30%
Min Balance $40,000 Details Balance: $40,000.01 or greater Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Vacation Account	0.10%	-	0.10%
Min Balance $5 Details Balance: $5.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Garden Island Federal Credit Union’s Texas Ratio stayed near 4.62% in Q3 2023 to 4.78% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$126M	4.78%	5.0	A+
March 31, 2026	$126M	4.15%	5.0	A+
December 31, 2025	$123M	3.75%	5.0	A+
September 30, 2025	$121M	2.31%	5.0	A+
June 30, 2025	$120M	2.31%	5.0	A+
March 31, 2025	$120M	2.89%	5.0	A+
December 31, 2024	$116M	3.31%	5.0	A+
September 30, 2024	$117M	2.65%	5.0	A+
June 30, 2024	$117M	3.17%	5.0	A+
March 31, 2024	$120M	3.56%	5.0	A+
December 31, 2023	$119M	3.74%	5.0	A+
September 30, 2023	$121M	4.62%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Garden Island Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Garden Island Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Garden Island Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Garden Island Federal Credit Union

Website https://www.gardenislandfcu.com

Address 2973 Kele St, Lihue, HI 96766

Phone 808-245-2712

Fax

President Melvin Ota

CEO Shane Corregedore

Full-Time Employees 22

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.78%

Return on Assets (ROA)

0.1945%

Return on Equity (ROE)

1.4179%

Non-Performing Loans Ratio (NPL)

1.35%

Total Assets

126,227,314

Total Amount of Shares and Deposits

110,484,973

Total Shares and Deposits < 1 Year

110,230,924

Total Shares and Deposits 1 3 Years

202,644

Total Shares and Deposits > 3 Years

51,404

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

7,269,109

Total Uninsured Shares and Deposits > $250K (F+J)

7,269,109

Total Insured Shares and Deposits > $250K (item 17 less item K)

103,215,864

Total Interest Expense (Sum of items 6 8)

637,549

Share Certificates

600

Number of Accounts for Share Drafts

3,983

IRA KEOGH Accounts

245

Number of Accounts for Regular Shares

7,994

All other shares

455

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

245,573

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,782,329

Total Liabilities

109,762,929

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Garden Island Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Garden Island Federal Credit Union

How many branches does Garden Island Federal Credit Union operate?

Garden Island Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Garden Island Federal Credit Union?

Yes, to access services at Garden Island Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Garden Island Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Garden Island Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Garden Island Federal Credit Union offer online and mobile banking?

Most modern institutions like Garden Island Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gardenislandfcu.com.