Kapa’a Branch 1st Anniversary Specials
Promotion valid from 03/01/2025 - 03/31/2025
Take advantage of our Kapa’a Branch 1st Anniversary Specials with 2 exclusive offers!
*1.00% Loan Rate Discount
Auto Loans (New & Used)
Used and Older Auto Equity Loans
Signature Loans
Share and Certificate Secured Loans
Mortgage Loans
Home Equity Loans
Land Loans
ONLINE LOAN APPLICATIONS
Promotional Loan Rates as of 03/01/2025
New Auto and Used Auto (2 Years Old)
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
60 Months | 3.99% - 16.99% |
72 Months | 4.49% - 16.99% |
84 Months | 4.99% - 16.99% |
96 Months¹ | 5.99% - 7.49% |
¹96 months term available for New Autos with loan to value no greater than 115%. Additional conditions and restrictions apply. Contact our loan department at (808) 245-2192 for additional information.
Used Auto (3 to 5 Years Old)
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
60 Months | 4.49% - 16.99% |
72 Months | 4.99% - 16.99% |
84 Months² | 5.49% - 16.99% |
²84 months term available for Used Autos 3 to 4 years old.
Older Used Auto (6 Years and Older)
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
60 Months | 5.49% - 16.99% |
72 Months³ | 5.99% - 16.99% |
³72 months term available for vehicles 6 years old only.
Used Auto Equity
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
60 Months | 4.99% - 15.49% |
Older Used Auto Equity
(autos over five years old)
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
60 Months | 5.99% - 15.49% |
Signature
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR***) |
|---|---|---|
Up to 84 Months |
Up to $30,000.00 |
4.50% - 15.99% |
100% Share Secured
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
12 Months | 2.50% |
13 - 36 Months | 2.75% |
37 - 72 Months | 3.25% |
73 - 120 Months | 3.50% |
50% Share Secured
Loan Term | Annual Percentage Rate (APR***) |
|---|---|
12 Months | 3.50% - 10.00% |
13 - 36 Months | 4.50% - 11.00% |
37 - 72 Months | 5.50% - 12.00% |
For Mortgage Loans and Home Equity Loans, please contact our Loan Department at (808) 245-2192.
**1.00% CD Rate Increase
Share Certificate
Loyalty Share Certificate
Jumbo Share Certificate
Promotional Certificate Rates as of 03/01/2025
Share Certificates
Term | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
6 Month | $1,000.00 | 4.50% | 4.58% |
12 Month | $1,000.00 | 4.25% | 4.32% |
18 Month | $1,000.00 | 3.75% | 3.80% |
24 Month | $1,000.00 | 3.50% | 3.55% |
Loyalty Share Certificates^^
Term | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
6 Month | $10,000.00 | 4.80% | 4.89% |
12 Month | $10,000.00 | 4.55% | 4.63% |
18 Month | $10,000.00 | 4.05% | 4.11% |
24 Month | $10,000.00 | 3.80% | 3.85% |
^^Loyalty Share Certificates are only available to Garden Island FCU members of at least fifteen (15) years of membership.
Jumbo Share Certificates
Term | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
6 Month | $100,000.00 | 4.65% | 4.73% |
12 Month | $100,000.00 | 4.40% | 4.47% |
18 Month | $100,000.00 | 3.90% | 3.96% |
24 Month | $100,000.00 | 3.65% | 3.70% |
*A 1.00% loan rate discount is available for all Auto Loans, Auto Equity Loans, Signature Loans, Secured Loans, 1st Mortgage 30-YR Fixed, 1st and 2nd Mortgage 20-YR Fixed, 1st and 2nd Mortgage 15-YR Fixed, 1st Mortgage 30/10 Balloon, Land Loan, and Home Equity Line of Credit. Promotional loan rate discount valid from 03/01/2025 - 03/31/2025. Applications must be submitted between the promotional period with a minimum loan amount of $5,000.00 for consumer loans and $50,000.00 for all mortgage loans. Rates are based on borrowers' credit history and loan term. Final loan approval on mortgage loans is subject to sufficient debt to-income ratio, good title to the property and other terms and conditions of Garden Island FCU’s loan policy. Loan amount request over $250,000.00 requires an appraisal at your expense and at a cost estimated between $400 and $1,000.00. You must maintain fire, hurricane, and flood insurance (if applicable). All offers are subject to credit approval. Rates and terms are subject to change without notice. Additional terms and conditions may apply. Cannot be combined with other offers. Membership at Garden Island FCU is required prior to funding.
**A 1.00% CD rate increase will apply to Share Certificates, Loyalty Share Certificates, and Jumbo Share Certificates. Promotional CD rate increase valid from 03/01/2025 - 03/31/2025 and certificates must be opened between the promotional period. Deposit must have a minimum of $1,000 new money to receive the promotional CD rate increase. Certificate terms range from 6 months - 24 months term and rates vary based on term length. Additional rates and terms are available. Promotion may be modified or canceled at any time without prior notice. Penalty for early withdrawal, other restrictions may apply. Certificate may be opened at any Garden Island FCU branch locations. Membership at Garden Island FCU is required.
***APR is Annual Percentage Rate.
^APY is Annual Percentage Yield.