Credit union · NCUA insured
Gather Federal Credit Union
A $924M credit union headquartered in Lihue, HI, with 40,477 members and 7 branches in Hawaii. Best rates: CDs 4.00% and savings 0.25% APY.
Gather Federal Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#4 of 10 in Kapaa, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gather Federal Credit Union
Founded in 1954, Gather Federal Credit Union began when ten pineapple farmers on Kauai pooled their resources to purchase equipment for their community.
As a member-owned, not-for-profit cooperative, the credit union serves members across Kauai and Niʻihau through seven branch locations.
- Headquarters
- 4493 Pahee St, Lihue, HI 96766
- NCUA charter
- 9381
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, attends school, or operates a business on the islands of Kauai or Niʻihau.
Cost to join
- A minimum deposit of $5 into a Share Savings account is required to join.
- A one-time membership fee of $1 is required to join.
Branches
7 branches in Hawaii
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Hawaii
7 branches
- Kukui Grove OfficeMain office4493 Pahee St, Lihue, HI 96766Directions
- Eleele Branch Office4469 Waialo Rd, Eleele Shopping Center, Eleele, HI 96705Directions
- Kapaa Branch Office985 Kipuni Way, Kapaa, HI 96746Directions
- Kilauea Branch4243 Namahana Place, Kilauea, HI 96754Directions
- Koloa Branch3483 Weliweli Rd # 4, Koloa, HI 96756Directions
- Walmart Lihue3-3300 Kuhio Hwy, Lihue, HI 96766Directions
- Waimea Branch Office9936 Kaumualii Hwy, Waimea, HI 96796Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.81% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.99% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio12.81%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.99%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.59%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 Gather Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.