Join & Earn
Become a New Garden Island FCU Member and earn a *$100 cash bonus!
Make the switch to Garden Island FCU and earn a $100 cash bonus when you join and complete the qualifying requirements. Enjoy the confidence of banking with a financial partner that puts your needs first, with tools, services, and support designed to help you achieve your financial goals.
How to Earn Your $100 Cash Bonus:
Getting started is easy. Simply complete the following steps:
Open a Primary Savings Account with a Share Draft or Māla Checking Account
Enroll in Digital Banking
Enroll in eStatements
Receive qualifying direct deposits totaling at least $1,000 per month
Membership Eligibility
Joining Garden Island FCU is easy! You may be eligible for membership if:
You live, work, worship, or attend school on Kauaʻi
You are an immediate family member or relative (by blood or marriage) of a current Garden Island FCU member
Member Benefits
At Garden Island FCU, membership means more than just banking. Enjoy trusted local service, convenient financial tools, rewarding account features, and solutions designed to help you save, borrow, and grow with confidence!
✔ Affordable loan options
✔ Convenient branch locations
✔ Identity theft coverage
✔ Cash back rewards
✔ Financial wellness resources
✔ High-yield savings and CD rates
✔ Access to 30,000+ ATMs
✔ Payment protection
Compare Checking Accounts
| Share Draft Checking | Māla Checking | |
|---|---|---|
| Free Supply of Checks (with Direct Deposit) | ✔ | ✔ |
| Free Online Banking & Bill Pay | ✔ | ✔ |
| Access to 30,000+ CO-OP Network Surcharge-Free ATMs | ✔ | ✔ |
| No Minimum Balance Requirement | ✔ | ✔ |
| Monthly Fee | Free | $6.00 |
| VISA® Debit Card with No Annual Fees | ✔ | ✔ |
| Up to $10 Monthly ATM Fee Reimbursement | — | ✔ |
| Credit File Monitoring | — | ✔ |
| Identity Monitoring | — | ✔ |
| Identity Theft Expense Reimbursement Coverage | — | ✔ |
| Managed Identity Theft Resolution Services | — | ✔ |
| Credit Report Access | — | ✔ |
| Credit Score & Score Tracker | — | ✔ |
| Financial Wellness 360° | — | ✔ |
| Mobile Phone Protection | — | ✔ |
| $hopping Rewards™ | — | ✔ |
| Rideshare Protection | — | ✔ |
| 24/7 Telehealth | — | ✔ |
| Roadside Assistance | — | ✔ |
Trusted by Members Across Kauaʻi
Join Garden Island FCU today and discover the difference of membership with a financial partner that's here for you every step of the way.
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The $100 cash bonus is available to individuals who are new members of Garden Island FCU and meet the requirements during the promotion period.
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It's simple! Open your membership online anytime or stop by any Garden Island FCU branch, and we'll be happy to help you get started.
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A valid government-issued photo ID
A U.S. Residential Street Address
Legal Name
Birth Date
Social Security number or Tax Identification Number
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After all promotion requirements have been met and verified, the $100 cash bonus will be deposited into your Primary Share Account within 60 days.
*To qualify for the $100 Switch & Earn Cash Bonus, new members must open an account in person or online between 09/01/2026 and 10/31/2026. New accounts must meet all requirements to be eligible for the $100 cash bonus. If an account does not meet the requirements, no cash bonus will be paid. To qualify, members must complete all promotion requirements within 30 days of account opening. Qualifying requirements include opening a Savings Account and a Checking Account, enrolling in Online Banking and eStatements, and receiving qualifying direct deposits totaling at least $1,000 per month. Transfers between accounts, person-to-person transfers, wire transfers, ATM deposits, mobile deposits, and internal account transfers do not qualify as direct deposits. All accounts and services must remain open, active, and in good standing at the time bonus payments are processed. Bonus payments will be deposited into the member's Primary Share Account within 60 days after the criteria are met. New accounts must remain open for at least 90 days from the date of account opening, or the cash bonus will be forfeited. Members who receive $100 or more in incentives annually may receive a Form 1099-MISC. Members are responsible for any personal tax liability arising from this Switch & Earn Promotion. This offer cannot be combined with any other offers. Promotion subject to change without notice. This offer is non-transferable. Garden Island FCU's determination of eligibility for the cash bonus is final. Additional terms and conditions may apply.