Garden Island Credit Union Kapaa HI | Reliable ATM Services Only

Introduction

Welcome to Garden Island, where our commitment to our members and community shines through every interaction. Located at 41105 Kuhio Hwy Ste A2, Kapaa, HI 96746, we have proudly served the Kauai community since our establishment in 1938. With a focus on building strong relationships, we are dedicated to providing quality financial services tailored to meet your needs. At Garden Island, we understand that financial decisions can be daunting. That's why we strive to offer a supportive and approachable environment for all our 7,212 members. Our total assets stand at an impressive $116,593,978, demonstrating our stability and reliability as a trusted credit union. We offer a range of services that cater to your financial journey, whether you're looking for loans or savings options. Our leadership team is here to guide you every step of the way. Under the direction of CEO Shane Corregedore and Board President Owen Ota, we are focused on ensuring that your experience with us is positive and enriching. With a dedicated staff of 20 employees, we're always ready to assist you. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 1165, Lihue, HI 96766. Our friendly team is available during lobby hours from Monday to Thursday, 8:00 AM - 4:30 PM, and Friday from 8:30 AM - 5:30 PM. We invite you to explore what Garden Island has to offer! Whether you're interested in opening an account or learning more about our services, don't hesitate to reach out at 808-245-6930 or visit us online at Garden Island FCU. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Commitment to Innovation

As times change, so do we. Our commitment to embracing digital advancements ensures that our members can access their accounts anytime and anywhere. With features like online banking and mobile payments, managing your finances has never been easier. We are also proud to provide ADA-compliant facilities to ensure everyone can access our services comfortably. While you can visit us at 41105 Kuhio Hwy Ste A2 for all your banking needs during our operating hours Monday to Thursday from 8:00 am to 4:30 pm and Friday from 8:30 am to 5:30 pm we encourage you to reach out via phone at 808-245-6930 for any inquiries or assistance. If you're ready to experience the benefits of being part of a supportive community-focused credit union, we invite you to join Garden Island today! Together, let's work towards achieving your financial goals while contributing positively to Kapaa and beyond.

Our Mission

Our mission at Garden Island is simple yet powerful: to improve the financial well-being of our members and the community we serve. We believe in empowering individuals through personalized financial solutions that cater to their unique needs. Whether you are looking for loans, savings options, or guidance on managing your finances, we are here to help every step of the way. We recognize that banking is more than just transactions; it's about building relationships and trust. That's why we actively engage in community outreach initiatives and partnerships aimed at uplifting those around us. From educational workshops to local sponsorships, we strive to make a positive impact beyond just banking.

Branch Location & Accessibility

Accessibility Features

At Garden Island Fcu - Kapaa Branch, we prioritize accessibility for everyone. Our building is ADA compliant, featuring ramps and ample parking space to ensure that all members can visit us comfortably.

Nearby Landmarks

If you're familiar with the area, you'll appreciate how close we are to some of Kapaa's favorite destinations. Just a short drive from the scenic beaches and local shops, stopping by our branch is as easy as enjoying a stroll along the coast.

Operating Hours

We understand that convenience is key when it comes to banking. Our lobby hours are designed to fit into your busy schedule: from Monday to Thursday, we're open from 8:00 AM to 4:30 PM and on Fridays from 8:30 AM to 5:30 PM. Whether you need assistance with your accounts or want to explore loan options, our friendly team is here ready to help.

Services Offered

While we currently do not have ATM services or drive-thru banking available at this location, we offer personalized service tailored to your needs inside the branch. If you have any questions about our offerings or need assistance, feel free to give us a call at 808-245-6930. Whether you're looking for personal loans or simply need advice on managing your finances, we invite you to stop by or reach out today! While members can visit us at 41105 Kuhio Hwy Ste A2 Kapaa Hi 96746, official correspondence should be sent to P.O. Box 1165 in Lihue if needed. Come see how we can support your financial journey right here at Garden Island Fcu - Kapaa Branch!

Member Eligibility

Joining the Garden Island community is more than just opening an account; it's about becoming part of a family that genuinely cares about your financial well-being. At Garden Island, we welcome individuals who live, work, or worship in Kauai County, as well as their family members. This inclusive approach means that if you have a connection to our beautiful island, you're likely eligible to become a member! By choosing us, you'll enjoy benefits like lower loan rates, personalized service, and a range of financial products tailored to meet your needs. To get started on your journey with us at our Kapaa branch located at 41105 Kuhio Hwy Ste A2 Kapaa Hi 96746, simply check out our detailed eligibility criteria at this link. If you have any questions or need assistance during the process, feel free to give us a call at 808-245-6930. We're here to help you every step of the way! For those ready to open an account, you can find all the details here.

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having the tools you need to accept payments easily and manage your cash flow efficiently. Our merchant services provide practical benefits like seamless payment processing and quick access to funds. This means you can focus more on what you do best running your business! Located at 41105 Kuhio Hwy Ste A2 Kapaa Hi 96746 in Kapaa, HI, we're here to help you unlock the potential of your business. Connect with us today at (808) 245-6930 or visit our website here to learn more about how we can assist you!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Financial Services Tailored for You

At Garden Island Fcu - Kapaa Branch, our offerings include essential ATM services. Imagine being able to access your funds anytime, anywhere, without the worry of long lines or limited hours. Our ATMs are designed for quick and easy transactions, ensuring that you can withdraw cash or check your balance whenever it suits you. Additionally, our digital banking options allow you to manage your accounts from the comfort of your home. With features like online banking and mobile payments, handling your finances has never been simpler. You can pay bills, transfer money between accounts, and even deposit checks right from your smartphone or computer.

Join Our Community

Joining Garden Island means becoming part of a supportive community that prioritizes its members' financial well-being. We strive to create an environment where everyone feels valued and understood. If you're interested in becoming a member or learning more about our services, please visit our website at www.gardenislandfcu.com. In conclusion, whether you're using our ATM services or exploring online banking options, we're here to help simplify your financial journey. We invite you to stop by our branch in Kapaa or give us a call today!

Stay Connected

We understand that in today's fast-paced world, convenience is key. That's why we offer mobile applications that let you keep track of your spending and savings on the go. If you need assistance or have questions about our services, don't hesitate to reach out! You can contact us at 808-245-6930 during our lobby hours: Monday through Thursday from 8:00 AM to 4:30 PM and Friday from 8:30 AM to 5:30 PM.

Digital & Online Banking

Key Services

Our online banking platform offers 24/7 access to your accounts, allowing you to check balances, view transactions, and transfer funds whenever you need. You can also enjoy the benefits of e-statements, which provide a quick and eco-friendly way to keep track of your financial statements without the clutter of paper. For those on the go, our mobile application is designed with you in mind. It's user-friendly and packed with features like mobile payments, making it simple to pay bills or make purchases directly from your device. If you need to send money to friends or family, our person-to-person transfers make it easy and fast no cash needed!

Security and Accessibility

Security is at the forefront of our digital services. We offer electronic signature authorization so you can sign documents safely from home. Plus, our systems are built with advanced security measures to protect your information while ensuring ease of use. With Garden Island, managing your money has never been more accessible or straightforward. Whether you're checking account balances late at night or making a quick payment during lunch, our digital banking options help you stay connected to your finances securely and efficiently. Join us today at https://www.gardenislandfcu.com/ and discover how easy banking can be!

Financial Strength

A Growing Community

We have a total of 12,311 share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $2,637,035, which further illustrates our ability to support your financial endeavors. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Garden Island is your trusted partner. Visit us at 41105 Kuhio Hwy Ste A2 Kapaa HI 96746 or call 808-245-6930 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $20,512,522 in share certificates and $4,774,069 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $16,469,725, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.13% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

With $13,375,564 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is reflected in $38,151,359 in total loans and leases, which supports members' financial goals across various sectors. Our operational efficiency is also evident with a net income of $122,988, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 20 full-time employees, ensuring our branch is always ready to serve you with a knowledgeable and committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,392,526 in new vehicle loans and $9,828,053 in used vehicle loans already helping members get on the road. We also provide refinancing options if you're looking to lower your monthly payments or improve your current loan terms.

Credit Lines

In addition to these offerings, our credit lines totaling $18,203,172 give you quick access to funds when you need them most. This flexibility allows you to handle unexpected expenses without the stress of high-interest rates. For those interested in exploring eligibility options or starting the application process for any of these loans, feel free to reach out at 808-245-6930 or visit us during our operating hours: Monday - Thursday from 8:00 AM - 4:30 PM and Friday from 8:30 AM - 5:30 PM. You can also check out our website at Garden Island FCU for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Garden Island, we're committed to providing our members with the tools they need for financial success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,412,884, make buying or refinancing simple. We can guide you through the process and help you find the best fit for your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,157,153 in loans helping members manage their finances effectively. These cards come with various benefits that can assist you in controlling your spending while building your credit history.

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GARDEN ISLAND FEDERAL CREDIT UNION - Kapaa, HI