Credit union · NCUA insured
Gather Federal Credit Union Savings Rates
Gather Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its CUMMSA (Credit Union Money Market Share Account). Rates checked October 22, 2026.
How Gather Federal Credit Union’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Kasasa Saver
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
Gather Federal Credit Union savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.50%
- QualifiedQualified2.00%
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 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.
Kasasa Saver
Up to 2.00%APY
Must meet Kasasa Cash monthly qualifications to earn higher rates: at least 12 check card purchases post and settle, at least 1 bill pay or automatic ACH transaction post and settle, and enrolled in eStatements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $40,000Qualifying rate for balances up to $40,000 when monthly qualification cycle requirements are met. | 2.00% | $200 | Qualifying rate for balances up to $40,000 when monthly qualification cycle requirements are met. |
| Any balanceBase rate applied to all balances if monthly qualifications are not met. | 0.02% | $2 | Base rate applied to all balances if monthly qualifications are not met. |
| Over $40,000Qualifying rate for portion of balance over $40,000 when monthly qualifications are met (resulting in APY range of 2.00% - 0.64%). | 0.10% | — | Qualifying rate for portion of balance over $40,000 when monthly qualifications are met (resulting in APY range of 2.00% - 0.64%). |
Sources (1)
- gatherfcu.org/resources/rates · captured Sep 16, 2026
Signature CUMMSA (Credit Union Money Market Share Account)
1.50%APY
Dividends are credited to account and compounded monthly. Minimum balance requirements apply to average daily balance. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upRequires minimum balance of $100,000 to earn dividends.$100,000 and up | 1.50% | — | Requires minimum balance of $100,000 to earn dividends. |
Sources (1)
- gatherfcu.org/resources/rates · captured Sep 16, 2026
Premier CUMMSA (Credit Union Money Market Share Account)
0.50%APY
Dividends are credited to account and compounded monthly. Minimum balance requirements apply to average daily balance. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upRequires minimum balance of $25,000 to earn dividends.$25,000 and up | 0.50% | — | Requires minimum balance of $25,000 to earn dividends. |
Sources (1)
- gatherfcu.org/resources/rates · captured Sep 16, 2026
CUMMSA (Credit Union Money Market Share Account)
0.25%APY
Dividends are credited to account and compounded monthly. Minimum balance requirements apply to average daily balance. Variable rate account.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,000Tier applies to average daily balance less than $2,000. · Unknown to open | 0.05% | Unknown | — | Tier applies to average daily balance less than $2,000. |
| $2,000 and upTier applies to average daily balance of $2,000 or more. · $5 to open | 0.25% | $5 | $25 | Tier applies to average daily balance of $2,000 or more. |
Sources (1)
- gatherfcu.org/resources/rates · captured Sep 16, 2026
Multiple Signature Shares
0.10%APY
Dividends credited and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMin. balance to earn dividends is $100 average daily balance.$100 and up | 0.10% | $10 | Min. balance to earn dividends is $100 average daily balance. |
Sources (1)
- gatherfcu.org/resources/rates · captured Sep 16, 2026
Share Savings
0.10%APY
One-time $1 membership fee required. Variable rate. Dividends compounded and credited quarterly. Can be pledged as collateral for Share Secured loans and Visa credit cards.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on average daily balances of $100 or more.$100 and up | 0.10% | $10 | Dividends earned on average daily balances of $100 or more. |
Sources (3)
- gatherfcu.org/personal/compare-savings
- gatherfcu.org/personal/share-savings
- gatherfcu.org/resources/rates
All captured Sep 16, 2026
Sub Share Savings
0.10%APY
Separate savings accounts for specific goals with no monthly service fees. Can be pledged as collateral for Share Secured loans and Visa credit cards.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on average daily balances of $100 or more.$100 and up | 0.10% | $10 | Dividends earned on average daily balances of $100 or more. |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Christmas Club Savings
0.10%APY
Matures and funds become accessible on October 1st. Automatic monthly transfers from another Gather account. No penalty for early withdrawal. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends earned on balances of $0.01 or more; compounded and credited quarterly.Over $0 | 0.10% | $10 | Dividends earned on balances of $0.01 or more; compounded and credited quarterly. |
Sources (3)
- gatherfcu.org/personal/christmas-club
- gatherfcu.org/personal/compare-savings
- gatherfcu.org/resources/rates
All captured Sep 16, 2026
Coverdell ESA Shares
0.10%APY
Education savings account designed for funding education expenses. Earnings and qualified withdrawals are tax-free. No setup, administrative, or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMin. balance to earn dividends is $100 average daily balance.$100 and up | 0.10% | $10 | Min. balance to earn dividends is $100 average daily balance. |
Sources (2)
All captured Sep 16, 2026
IRA Shares
0.10%APY
Includes Traditional IRA, Roth IRA, and Roth Conversion IRA tax structures. No setup, administrative, or maintenance fees. Early withdrawals before age 59½ may be subject to taxes and penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upApplies to Traditional IRA Shares, Roth IRA Shares, and Roth Conversion IRA Shares on average daily balances of $100 or more.$100 and up | 0.10% | $10 | Applies to Traditional IRA Shares, Roth IRA Shares, and Roth Conversion IRA Shares on average daily balances of $100 or more. |
Sources (2)
All captured Sep 16, 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.