Credit union · NCUA insured
Gather Federal Credit Union Credit Card Rates
Gather Federal Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Gather Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Kapaa, HI, where Gather Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Gather Federal Credit Union
9.99%APR
- Annual fee
- $25
- Up to
- —
Platinum Visa
Lowest rate
HawaiiUSA FCU
9.90%APR
- Annual fee
- None
- Up to
- 16.90% APR
2nd-lowest rate
Kaua'i Federal Credit Union
9.99%APR
- Annual fee
- None
- Up to
- 14.99% APR
Gather Federal Credit Union credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gather Federal Credit Union ranks
By credit card score, in each area where it has branches
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.
Classic Visa
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | No annual fee. |
Platinum Visa
Credit lines from $300 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | $25 | $25 annual fee. Credit lines from $300 to $25,000. |
Share Secured Visa
Secure credit line with Share Account (from $5,000 to $25,000).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | None | No annual fee. Credit line secured with share account from $5,000 to $25,000. |
Signature Visa
Credit lines from $5,000 to $25,000. Rates are based on credit history and range from 13.50% to 18.00% APR. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50%–18.00% | None | Rates range from 13.50% - 18.00% APR based on credit history; assumes excellent borrower credit history. No annual fee. Credit lines from $5,000 to $25,000. Rotating 5% cash back on retail October 1, 2026 to December 31, 2026. |
Sources (3)
All captured Oct 3, 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This may be incomplete or out of date, so check with the credit union before you apply.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.