Droptober Loan Special
10/01/2026 - 10/31/2026
Drop into savings this Droptober with special low loan rates!
Whether you're purchasing a vehicle, refinancing an existing loan, consolidating debt, or planning for holiday expenses, now is the perfect time to borrow and save.
For a limited time, take advantage of special low rates on:
New & Used Auto Loans
Used & Older Auto Equity Loans
Unsecured Loans
Share Secured Loans
Plus, enjoy an additional rate discount on eligible loans when you:
Set up a minimum Direct Deposit of $500 per month
Enroll in Auto Pay
Thinking About Refinancing?
Refinancing your loan with Garden Island FCU could help you:
Lower your monthly payment
Save money on interest
Pay off your loan faster
Not a Member Yet?
Joining Garden Island FCU is easy. Become a member and take advantage of these exclusive Droptober savings before they're gone.
Enter to Win Droptober Cash Back!
Finance a qualifying loan during the promotion period and you'll be automatically entered for a chance to win **1% CASH BACK ON YOUR FUNDED LOAN AMOUNT!
Don't wait! Offer ends October 31st, 2026.
Droptober promotional loan rates as of 10/01/2026 reflecting *up to a 1.25% rate discount
New Auto and Used Auto (2 Years Old)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 4.00% - 16.25% |
72 Months | 4.50% - 16.25% |
84 Months | 5.00% - 16.25% |
96 Months¹ | 6.00% - 9.00% |
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 | 4.50% - 16.25% |
72 Months | 5.00% - 16.25% |
84 Months² | 5.50% - 16.25% |
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 | 5.50% - 16.25% |
72 Months³ | 6.00% - 16.25% |
³72 months term available for vehicles 6 years old only.
Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 5.00% - 14.75% |
Older Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 6.00% - 14.75% |
Unsecured
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR*) |
|---|---|---|
Up to 84 Months |
Up to $30,000.00 |
4.00% - 16.25% |
Droptober promotional loan rates as of 10/01/2026 reflecting *up to a 1.00% rate discount
100% Share Secured
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
12 Months | 3.00% |
13 - 36 Months | 3.25% |
37 - 72 Months | 3.50% |
73 - 120 Months | 3.75% |
50% Share Secured
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
12 Months | 4.25% - 10.75% |
13 - 36 Months | 5.25% - 11.75% |
37 - 72 Months | 6.25% - 12.75% |
Frequently Asked Questions
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Droptober is Garden Island FCU’s limited time loan rate special where we are dropping rates by up to 1.25% APR* on select loans!
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The promotion applies to all auto loans, unsecured loans, and share secured loans.
Promotional rates apply to new and existing loan from another financial institution of a minimum of $5,000.
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Our Droptober Loan Rate Special is happening from until October 31st. Applications must be submitted between the promotional period.
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There is a minimum loan amount of $5,000 for refinanced loans from another financial institution.
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Yes, you must be a member of Garden Island Federal Credit Union to take advantage of Droptober rates. Not a member yet? You can join during the loan application process.
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Absolutely! Our special Droptober loan rates apply to refinanced loan from a different financial institution. However, it excludes existing loans with Garden Island Federal Credit Union.
*APR = Annual Percentage Rate. Promotional loan rates valid from 10/01/2026 - 10/31/2026 and applications must be submitted between the promotional period. A minimum loan amount of $5,000 is required to qualify for the promotional loan rate discount and applies to new loans and loans refinanced from another financial institution. Up to a 1.00% loan rate discount is available for all Auto Loans, Used and Older Auto Equity Loans, Unsecured Loans, and Share Secured Loans only. Members may qualify for an additional 0.25% loan rate discount on all Auto Loans and Unsecured Loans by establishing direct deposit of at least $500 per month and enrolling in automatic loan payments. The additional 0.25% loan rate discount excludes all Share Secured Loans. The maximum total loan rate discount available is up to a 1.25% discount on Auto Loans, Used and Older Auto Equity Loans, and Unsecured Loans, and up to a 1.00% discount on Share Secured Loans. Actual rate may vary based on creditworthiness, loan type, term, collateral, and underwriting criteria. Membership with Garden Island FCU is required prior to funding. Existing Garden Island FCU loans are not eligible for this offer. All loan applications are subject to credit approval. Additional terms and restrictions may apply. Offer cannot be combined with any other promotions, and promotional rates are subject to change without notice. Federally insured by the NCUA.
**Droptober Cash Back Giveaway: One winner will be selected at random from all eligible loans funded during the promotional period. The winner will receive a cash bonus equal to 1% of the financed loan amount, up to a maximum of $500. The cash bonus will be deposited into the primary borrower's Garden Island FCU Savings Account within 90 days after loan funding. Members who receive $100 in incentives annually will receive a 1099-Misc. Members are responsible for any personal tax liability arising out of the Droptober Cash Back Giveaway.