Credit union · NCUA insured
Garden Island FCU
A $125.7M credit union headquartered in Lihue, HI, with 7,279 members and 2 branches in Hawaii. Best rates: CDs 3.70% and savings 0.60% APY.
Garden Island FCU Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#5 of 10 in Kapaa, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Garden Island FCU
Chartered in 1938, Garden Island Federal Credit Union operates three full-service branch offices on Kauaʻi, with its main headquarters located in Lihue, Hawaii.
Originally chartered as Lihue Federal Credit Union, the member-owned credit union adopted its current name in 2007 when expanding membership to all Kauaʻi residents and their immediate families.
- Headquarters
- 2973 Kele St, Lihue, HI 96766
- NCUA charter
- 24796
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, worships, or attends school on Kaua'i.
Family and household
- Family members (related by blood or marriage) of any member of Garden Island FCU are eligible for membership.
Cost to join
- A $1.00 membership fee is required.
- A minimum deposit of $5.00 into a Primary Share Savings Account is required.
Branches
2 branches in Hawaii
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Hawaii
2 branches
- Kapaa Branch4-1105 Kuhio Hwy Ste A2, Kapaa, HI 96746Directions
- Koloa Branch3417 Poipu Rd # 701, Koloa, HI 96756Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.72% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.35% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio13.72%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.35%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Garden Island FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.