Credit union · NCUA insured
Garden Island FCU CD Rates
Garden Island FCU’s best CD rate is 3.70% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Garden Island FCU’s CD rates compare
Compared with banks and credit unions near Kapaa, HI, where Garden Island FCU has the most branches. $10,000, best rate first.
This credit union’s best
Garden Island FCU
3.55%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificates
Top rate
HawaiiUSA FCU
4.40%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $478
2nd-highest rate
Finance Factors
4.25%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $246
Garden Island FCU CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo2.78%
- 31–60 months31–60 mo2.93%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Garden Island FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 3.70%APY · 7 terms
Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity. Dividends are compounded and credited to the account every quarter.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 3.44% | $344 |
| 18 months | 2.93% | $443 |
| 24 months | 2.68% | $543 |
| 36 months | 2.78% | $857 |
| 48 months | 2.93% | $1,225 |
| 60 months | 3.03% | $1,610 |
Sources (1)
- gardenislandfcu.com/savings-rates · captured Oct 3, 2026
Share Certificates
Up to 3.55%APY · 7 terms
Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity. Dividends are compounded and credited to the account every quarter.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.29% | $329 |
| 18 months | 2.78% | $420 |
| 24 months | 2.52% | $510 |
| 36 months | 2.68% | $826 |
| 48 months | 2.83% | $1,181 |
| 60 months | 2.93% | $1,553 |
Closed to new customers
Loyalty Share Certificates
Up to 3.85%APY · 7 terms
Only available to Garden Island FCU members of at least fifteen (15) years of membership. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity. Dividends are compounded and credited to the account every quarter.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 3.85% | $191 |
| 12 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 3.60% | $360 |
| 18 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 3.09% | $467 |
| 24 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 2.83% | $574 |
| 36 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 2.93% | $905 |
| 48 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 3.09% | $1,294 |
| 60 monthsOnly available to Garden Island FCU members of at least fifteen (15) years of membership | 3.19% | $1,700 |
Sources (1)
- gardenislandfcu.com/savings-rates · captured Oct 3, 2026
Who can join Garden Island FCU
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.
Membership information collected October 4, 2026.