BTS
Beat The Summer Loan Special
07/01/2026 - 07/31/2026
Summer is heating up and Garden Island FCU is cooling down the rates with **up to a 2.00% discount on select loans.
Auto Loans (New & Used)
Used and Older Auto Equity Loans
Unsecured Loans
Whether you're buying a new vehicle, refinancing an existing loan from a different financial institution, or need extra funds for the upcoming school year, now is the perfect time!
How to qualify for the BTS Special rate:
Have a Primary Savings Account with a Share Draft or Māla Checking Account
Receive qualifying direct deposit of at least $1,000 per month
Set up Auto Pay
Apply online or stop by any branch location to take advantage of this special BTS offer!
BTS Promotional Loan Rates as of July 1, 2026
Unsecured
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR*) |
|---|---|---|
Up to 84 Months |
Up to $30,000.00 |
4.00% - 16.50% |
New Auto and Used Auto (2 Years Old)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 4.25% - 15.49% |
72 Months | 4.75% - 15.49% |
84 Months | 5.25% - 15.49% |
96 Months¹ | 6.25% - 8.99% |
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 | 4.75% - 15.49% |
72 Months | 5.25% - 15.49% |
84 Months² | 5.75% - 15.49% |
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 | 5.75% - 15.49% |
72 Months³ | 6.25% - 15.49% |
³72 months term available for vehicles 6 years old only.
Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 5.25% - 14.99% |
Older Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 6.25% - 14.99% |
Frequently Asked Questions
-
BTS Loan Special is our limited‑time summer offer where we’re dropping rates by up to 2.00% APR* on select loans!
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The promotion applies to all auto loans and unsecured loans.
A minimum loan amount of $5,000.00 is required and is available for new loans and refinanced loans from a different financial institution.
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Our BTS Loan Special is happening from now until July 31st.
Applications must be submitted between the promotional period either in-person or at any branch location.
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Yes, the minimum loan amount is $5,000.00 to receive the promotional BTS loan rates.
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Yes, you must be a member of Garden Island Federal Credit Union to take advantage of the special rates. Not a member yet? You can join during the loan application process.
-
Absolutely! Our BTS Loan Special applies to refinanced loan from a different financial institution. This excludes existing loans with Garden Island Federal Credit Union.
*APR = Annual Percentage Rate.
**Up to a 2.00% loan rate discount is available for all Auto loans, Used and Older Auto Equity loans, and Unsecured loans only. Promotional loan rates valid from 07/01/2026-07/31/2026 and applications must be submitted between the promotional period. A minimum loan amount of $5,000.00 is required to receive up to a 2.00% loan rate discount which applies to loans from a different financial institution, and new loans. To receive the BTS Loan Special rate discount, Members’ must have a Savings with a Checking account, set up direct deposit of a minimum of $1,000 per month, and enroll in auto pay. Membership at Garden Island FCU is required prior to funding. All loan applications are subject to credit approval. Additional terms and restrictions may apply. Cannot be combined with other offers. Promotional rate subject to change without notice. Federally insured by the NCUA.