Loans

Mortgage Loans

Whatever mortgage loan you need, we just have the perfect mortgage products just for you. Borrow up to 80% of the value of your home with a loan max amount of up to $750,000.00! Appraisal waived on loan amounts borrowed less than $250,000.00.

First Mortgage Loans

  • First Mortgage 30-Year Fixed

  • First Mortgage 20-Year Fixed

  • First Mortgage 15-Year Fixed

  • First Mortgage 30/10-Fixed w/ Balloon

Second Mortgage Loans

  • Second Mortgage 20-Year Fixed

  • Second Mortgage 15-Year Fixed

Home Equity Line of Credit

  • 15-Year Variable with a 5-Year Draw Period

Land/Lot Loan

  • 12-Year Fixed

For current mortgage rates and terms, contact our Loan Department at (808) 245-2192 or send an e-mail at loans@gardenislandfcu.com.

 

To apply for a Mortgage, please complete the form below and one of our Mortgage Loan officers will contact you.

Auto Loans

  • New Auto

  • Used Auto

  • Older Used Auto (vehicle over five years)

Whether you are purchasing your dream car or have an existing high-interest auto loan from another lender and wanted to refinance to lower your monthly payment, Garden Island FCU has your back! We offer low and competitive rates and flexible repayment terms of up to seven (7) years.

Garden Island FCU participates in the Credit Union Direct Lending (CUDL) program, which allows YOU, our MEMBER, the convenience to arrange your Garden Island FCU auto financing directly right at the dealership. Just let the dealers know that you are a member of Garden Island FCU and you want your auto loan to be funded with us.

Your rate will be based on your credit rating, loan term, and year of the vehicle.

AUTO LOAN CALCULATOR APPLY NOW

Auto Equity Loans

Auto Equity Loans allow you to use the equity in your vehicle as collateral for a loan! Your lien-free title is all you need to qualify to get the cash you need, when you need it. The loan amount is based upon the vehicle’s value and your ability to repay. Once you are approved for the loan, we’ll keep your title until you have paid off the loan in full.

Our Auto Equity Loans offer:

  • Great low fixed rates because the loan is secured by your vehicle

  • Up to 60 months term to better fit your financial situation

Personal Loan

Borrow up to $30,000.00 for whatever you need. Our personal loan has a flexible repayment term of up to seven (7) years. Some restrictions apply.

We have free options to make your monthly payment easy for you:

  • Payroll deduction

  • Set up recurring monthly transfers from your Garden Island FCU accounts to your loans so it’s out of sight, out of mind!

  • Transfer payments 24/7 using our free online banking or mobile banking app

PERSONAL LOAN CALCULATOR APPLY NOW

Share Secured Loan

Share Secured Loans are essentially a way for you to borrow, using your own savings as collateral. Instead of using all of your savings to make a purchase, thus losing out on all future dividends and your emergency safety net, you're borrowing against that sum while your money stays in your account. These loans offer real opportunities to rebuild credit and improve your financial future, at the same time, protect your savings.

  • 100% Share Secured

  • 50% Share Secured

  • Share Certificate Loan