Garden Island Credit Union Koloa HI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Garden Island, your trusted credit union in the heart of Koloa, Hawaii. Established in 1938, we have proudly served our community for over 85 years, providing personalized financial solutions tailored to meet the unique needs of our members. With a solid membership base of 7,212 individuals, we're not just a financial institution; we're a part of your family. Located at 3417 Poipu Rd 701, Koloa, HI 96756, our branch is dedicated to ensuring that you receive exceptional service and support. For any official correspondence, please send mail to P.O. Box 1165, Lihue, HI 96766. Our team is here to assist you with a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. With total assets exceeding $116 million and total deposits amounting to $10,331,423, Garden Island stands strong as a reliable partner for your financial journey. We take pride in our commitment to fostering financial wellness within our community while maintaining a net worth of $16,469,725 and cash in hand of $384,776 for your peace of mind. Our CEO Shane Corregedore and Board President Owen Ota lead with vision and dedication. Together with our team of 20 employees, we strive to create an environment where every member feels valued and supported. Whether you are looking for competitive loan rates or innovative online banking options, we invite you to explore what Garden Island can do for you. Feel free to reach out by calling us at 808-742-6733 or visit our website at www.gardenislandfcu.com for more information. Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Welcome to the story of Garden Island, a credit union with deep roots and a strong commitment to the community of Koloa, HI. Established in 1938, our branch has grown alongside its members, evolving from humble beginnings to a trusted financial partner for over 7,200 members today. Our journey reflects our dedication to providing exceptional financial services while supporting the local community. Located at 3417 Poipu Rd 701, Koloa, HI 96756, our branch is conveniently positioned near beautiful beaches and vibrant local shops, making it easy for you to stop by and connect with us. While you can visit us at this address, official correspondence should be sent to P.O. Box 1165, Lihue, HI 96766. At Garden Island, we believe that our mission goes beyond just banking. Our core purpose is to empower individuals and families by offering personalized financial solutions that cater to their unique needs. Whether it's through checking and savings accounts, auto loans, or mortgage refinancing, we strive to make your financial journey smooth and rewarding. We also aim to provide support through various outreach efforts within our community. Over the years, we've embraced advancements in technology while ensuring ADA compliance so that all members can easily access our services. Today, we offer online and mobile banking options along with person-to-person payment systems for added convenience. Our commitment extends into community partnerships and outreach initiatives aimed at making a real difference in people's lives. We take pride in working closely with local organizations and participating in events that uplift Koloa and its residents. Our operating hours are designed with your convenience in mind: Monday through Thursday from 8 AM to 4:30 PM and Friday from 8:30 AM to 5:30 PM. Although we do not have ATM or drive-thru services available at this location, we do offer shared service center transactions for members of partner credit unions. As we continue our mission of fostering financial well-being in Koloa and beyond, we invite you to join us at Garden Island. Experience firsthand how our dedicated team can help you achieve your financial goals while becoming part of a caring community. For more information or to open an account, please call us at 808-742-6733 or visit our website at Garden Island FCU. Join us today!

Branch Location & Accessibility

Contact Us Today!

If you have any questions or would like more information about how we can assist you, don't hesitate to give us a call at 808-742-6733. We invite you to visit us at our Koloa location or check out our website at gardenislandfcu.com for more details on membership and services. We look forward to welcoming you!

Easy Access and Parking

Our branch offers ample parking spaces for your convenience. We also prioritize accessibility, ensuring that all members can easily navigate our facilities. Whether you're visiting us for a quick transaction or to explore our range of financial services, we are here to make your experience smooth and pleasant.

Operating Hours That Fit Your Schedule

We understand that life gets busy, which is why our operating hours are designed to accommodate your needs. Visit us Monday through Thursday from 8 AM to 4:30 PM, and on Friday from 8:30 AM to 5:30 PM. Our team is ready to assist you during these times, whether you're looking for personal banking options like checking and savings accounts or need help with auto loans and mortgage financing.

Services Tailored for You

At Garden Island Fcu - Koloa Branch, we offer a variety of services tailored just for you. From personal loans to credit cards with rewards, our offerings are designed to meet your financial needs. While we currently do not have ATM services or a drive-thru facility, our shared service center allows you to conduct basic transactions like deposits and withdrawals if you're a member of one of our partner credit unions.

Member Eligibility

At Garden Island, we believe that everyone deserves to be part of a caring financial community. Becoming a member is as easy as reaching out and seeing if you qualify! Generally, individuals who live, work, or worship in the Koloa area are eligible to join us. We also welcome family members of existing members, making it even easier to share the benefits of credit union membership with your loved ones. To find out more about our specific eligibility requirements, feel free to visit our membership page for all the details. Once you confirm your eligibility, opening an account is a straightforward process. You can start your journey with us by visiting our account opening page here. If you have any questions or need assistance, don't hesitate to call us at (808) 742-6733. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, our merchant services simplify payment processing for your business. Imagine being able to accept payments quickly and securely, allowing you to focus on what you do best running your business. Our solutions are designed to help you serve your customers better while enhancing your operational efficiency. Located at 3417 Poipu Rd 701 Koloa Hi 96756 in Koloa, HI, we're here to provide personalized service and expert guidance. Contact us at (808) 742-6733 or visit our website at https://www.gardenislandfcu.com/ to learn more about how we can help your business thrive.

Tailored Loan Options

Imagine having access to funding that helps you expand your operations, purchase new equipment, or manage cash flow more effectively. 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

Business Banking Services

We also cater to local businesses with specialized services like Merchant Services & Business Loans. Whether you're starting a new venture or looking to expand an existing one, we have the resources and expertise to support your business goals effectively.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options, allowing you to manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills with just a few taps on your smartphone, banking has never been easier.

Get in Touch!

With so many services designed specifically for our members' needs, Garden Island is more than just a credit union; we're your financial partner in Koloa. Visit us at our branch or explore all we offer online at Garden Island FCU. If you're ready to take the next step in achieving your financial goals, don't hesitate give us a call at 808-742-6733 today!

Loans Tailored for Your Needs

Thinking about buying a new car or refinancing your home? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, making it easier than ever to get behind the wheel of your dream car. If home ownership is your goal, our Mortgage Loans & Refinancing services help make that dream a reality with support every step of the way. For those unexpected expenses or personal projects, our Personal Loans & Debt Consolidation services are here to help simplify your financial life by offering straightforward solutions without complicated processes. Plus, we have credit cards with rewards that let you earn while you spend!

Personal Banking Solutions

When it comes to managing your day-to-day finances, our Personal Banking options are tailored just for you. We offer various checking and savings accounts that make it simple to save for future goals or manage daily expenses. Whether you're planning a family vacation or saving for a rainy day, our accounts come with features that help you stay on track.

Shared Branch Transactions

As part of our commitment to community banking, we provide access to basic shared branch transactions such as deposits and withdrawals for members of partner credit unions. This feature ensures that even if you're away from home, accessing your funds remains hassle-free.

Digital & Online Banking

Key Features for Your Convenience

Imagine handling all your banking needs from the comfort of your home or on the go. Our online banking lets you view transactions, pay bills, and even set up electronic statements no more waiting for paper statements in the mail! Plus, with our electronic signature authorization feature, signing documents has never been simpler or more secure. Need to send money to a friend or family member? Our person-to-person transfer service allows you to send cash quickly and easily without needing to meet in person. And if you're out shopping, take advantage of our mobile payments feature for quick and secure transactions right from your phone.

Stay Connected Anytime

For those who prefer managing their finances through apps, our mobile application provides all the functionality you need at your fingertips. You can deposit checks, check balances, and even access customer support directly from your mobile device. Security is a top priority at Garden Island. We use advanced encryption technology to keep your information safe while ensuring that accessing your accounts remains user-friendly. With all these features combined, you have real-time control over your finances whenever you need it. So why not explore our digital offerings today? Visit us online at https://www.gardenislandfcu.com/ and discover how easy banking can be!

Financial Strength

A Growing Community Trusts Us

Total Share Accounts: 12,311 show a strong and growing member base that trusts us with their finances. We're proud to be part of this community and strive to strengthen those ties every day. 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 3417 Poipu Rd 701 Koloa Hi 96756 or call 808-742-6733 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Dedicated Team at Your Service

We also take pride in having 20 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Each member of our staff is dedicated to making your experience positive and productive.

Focused on Members

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 goal is to create an environment where your financial needs are met with care and consideration.

Investing in Your Future

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. This commitment helps us provide the best possible experience for everyone who walks through our doors or connects with us online.

Operational Efficiency

Our net income of $122,988 reflects our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. Every dollar counts when it comes to delivering high-quality service.

Secure Savings Opportunities

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. We believe that your savings should work as hard for you as you do for them.

Strong 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 1413 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity is significant; with $52,851,359 in total loans and leases, including $4,982,053 in used auto loans alone, we support members' financial goals across various sectors. Whether it's buying a car or financing other needs, we're here to help you achieve your dreams.

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 cater to all types of vehicle financing needs, whether you're interested in buying a brand-new model or a reliable used car.

Credit Card Loans

Managing daily expenses can be tricky; that's where our unsecured credit card loans come into play. With a total of $2,157,153 in loans helping members manage their finances effectively, our credit cards offer flexible terms that suit different lifestyles.

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 strive to make the process straightforward and accessible for all our members.

Other Loan Options

In addition to auto and mortgage loans, we also provide personal loans for various needs such as debt consolidation or unexpected expenses. Plus, if you're a business owner looking for financial support to grow your venture, keep an eye out for our upcoming commercial loan offerings.

Refinancing and Eligibility

If you're considering refinancing your current loans or need information on eligibility requirements for our various loan products, don't hesitate to reach out. We're here to assist you every step of the way. For more details about our services and how we can help you achieve your financial goals at Garden Island located at 3417 Poipu Rd 701 Koloa Hi 96756, give us a call at 808-742-6733 or visit our website at Garden Island FCU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are seeing genuine loan options.

GARDEN ISLAND FEDERAL CREDIT UNION