Credit union · NCUA insured
Garden Island FCU Savings Rates
Garden Island FCU’s best savings rate is 0.60% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Garden Island FCU’s savings 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
0.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $60
Money Market Account
Top rate
Kaua'i Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
Garden Island FCU savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.60%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $50,000 | 0.60% | $60 |
| $50,000 – $100,000 | 1.00% | — |
| Over $100,000 | 1.41% | — |
Sources (2)
All captured Oct 9, 2026
Primary Regular Share Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $10,000 | 0.10% | $10 |
| $10,000 – $40,000 | 0.20% | — |
| Over $40,000 | 0.30% | — |
Special Share Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | $10 |
| $10,000 – $40,000 | 0.20% | — |
| Over $40,000 | 0.30% | — |
Special-purpose accounts
Individual Retirement Account (IRA)
2.02%APY
Includes Traditional IRA, Roth, and Coverdell accounts.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 2.02% | $202 |
Platinum Club Account
0.35%APY
Available to members 55 years of age or older. Must maintain a minimum of $2,500.00 with an account balance not to exceed $40,000.00 to qualify for benefits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.35% | $35 |
| $10,000 – $40,000 | 0.45% | — |
Christmas Savings Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Vacation Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
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.