Droptober Loan Rate Special
10/01/2025 - 10/31/2025
This October, Garden Island FCU is celebrating by dropping loan rates like never before! For a limited time, enjoy **up to a 1.00% loan rate discount on select loans!
Auto Loans (New & Used)
Used and Older Auto Equity Loans
Personal Loans
Share and Certificate Secured Loans
Whether you're buying a new car, refinancing an existing loan from a different financial institution, or need extra funds for the upcoming holidays, now is the perfect time!
Apply online today or stop by any of our branch locations to take advantage of this special Droptober offer!
Droptober Promotional Loan Rates as of October 01, 2025
New Auto and Used Auto (2 Years Old)
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 4.25% - 16.49% |
72 Months | 4.75% - 16.49% |
84 Months | 5.25% - 16.49% |
96 Months¹ | 6.25% - 9.99% |
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% - 16.99% |
72 Months | 5.25% - 16.99% |
84 Months² | 5.75% - 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 | 6.25% - 17.25% |
³72 months term available for vehicles 6 years old only.
Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 5.25% - 15.75% |
Older Used Auto Equity
Loan Term | Annual Percentage Rate (APR*) |
|---|---|
60 Months | 6.25% - 15.75% |
Personal
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR*) |
|---|---|---|
Up to 84 Months |
Up to $30,000.00 |
4.00% - 16.50% |
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 our limited-time loan rate special where we are dropping rates by up to 1.00% APR* on select loans!
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The promotion applies to all auto loans, personal loans, share and certificate secured 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 Droptober Loan Rate Special is happening from now until October 31st. Applications must be submitted between the promotional period.
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Yes, the minimum loan amount is $5,000.00 to receive the promotional Droptober loan rates.
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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. This excludes existing loans with Garden Island Federal Credit Union.
*APR = Annual Percentage Rate.
**Up to a 1.00% loan rate discount is available for all Auto Loans, Used and Older Auto Equity Loans, Personal Loans, Share and Certificate Secured Loans only. Promotional loan rate valid from 10/01/2025 - 10/31/2025 and applications must be submitted between the promotional period. A minimum loan amount of $5,000.00 is required to receive up to a 1.00% loan rate discount which applies to loans from a different financial institution, and new loans. Membership at Garden Island FCU is required prior to funding. All loans 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.