Credit union · NCUA insured
Gather Federal Credit Union CD Rates
Gather Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 22, 2026.
How Gather Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kapaa, HI, where Gather Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gather Federal Credit Union
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Share Certificate
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
Gather Federal Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.00%
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 Gather Federal Credit Union 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.
Share Certificate
Up to 4.00%APY · 6 terms
Membership at Gather FCU required. Fixed rates. Penalty for early withdrawal.
| Term | APY · $1,000 and up | APY · $1,000 – $245,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends are credited upon maturity and transferred to a designated share account or mailed by check | 0.50% | — | 0.50% | $12 |
| 6 monthsDividends are credited monthly and transferred to a designated share account or mailed by check | 4.00% | — | 4.00% | $198 |
| 12 monthsLimited-time offer valid from 5/20/25. No new money requirements | — | 3.75% | 3.75% | $375 |
| 18 monthsDividends are credited monthly and transferred to a designated share account or mailed by check | 1.50% | — | 1.50% | $226 |
| 24 monthsDividends are credited monthly and transferred to a designated share account or mailed by check | 1.75% | — | 1.75% | $353 |
| 36 monthsDividends are credited monthly and transferred to a designated share account or mailed by check | 2.00% | — | 2.00% | $612 |
Sources (3)
- gatherfcu.org/personal/certificate-special
- gatherfcu.org/personal/share-certificates
- gatherfcu.org/resources/rates
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Certificate
3.75%APY · 1 term
No setup, administrative, or maintenance fees. Dividends are compounded and credited quarterly. Automatically renews upon maturity. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional IRA. Dividends credited and compounded quarterly | 3.75% | $375 |
Sources (2)
All captured Oct 15, 2026
Who can join Gather Federal Credit Union
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.
Membership information collected October 4, 2026.