Credit union · NCUA insured
Garden Island FCU Credit Card Rates
Garden Island FCU credit card rates start at 6.99% APR. Rates checked October 22, 2026.
How Garden Island FCU’s credit card rates compare
Compared with banks and credit unions near Kapaa, HI, where Garden Island FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Garden Island FCU
– –
- Up to
- —
No ongoing APR published
Lowest rate
HawaiiUSA FCU
9.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
Kaua'i Federal Credit Union
9.99%APR
- Up to
- 14.99% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA® Classic
No annual fees and no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99%–12.99% | None | Actual rate based on borrower's credit history, loan term, and underwriting guidelines. Rates subject to change without notice. |
VISA® Gold
No annual fees and no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.99%–11.99% | None | Actual rate based on borrower's credit history, loan term, and underwriting guidelines. Rates subject to change without notice. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.