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Your Trusted Hawaii Financial Partner for Checking, Savings & Loans
At Gather Federal Credit Union, we exist to strengthen the financial well-being of our island communities. Founded on principles of member-centric service, we provide a comprehensive range of banking solutions including personal and business checking accounts, savings programs, mortgages, auto loans, and credit cards. Our commitment to personalized financial advice ensures that each member receives tailored support for their unique needs. With competitive rates on loans and deposits, we empower members to achieve homeownership, grow savings, and manage daily finances effectively. Our digital banking platform offers 24/7 access to account management, mobile check deposit, and fraud protection tools. Through community initiatives like Share Aloha, we facilitate local giving by rounding up everyday transactions to support charitable causes.

Our team prioritizes empathetic service, as demonstrated during sensitive life events like estate settlements. We maintain surcharge-free ATMs and direct deposit services to enhance banking convenience. Backed by federal insurance through NCUA, we uphold strict compliance with equal housing lending standards. Our mobile app integrates budget tracking, credit score monitoring, and secure payment options like Zelle and Amazon One. With multiple service channels including in-person appointments and online support, we ensure members can access assistance through their preferred method.
Services
Personal Checking Auto Loans Credit Cards Mortgages Business Checking Savings Accounts Student Loans Mobile Banking Home Equity Loans Financial Education
Highlights and features
  • We offer competitive APRs on mortgages, auto loans, and credit cards
  • Our mobile app provides real-time credit score monitoring and fraud alerts
  • We support local communities through the Share Aloha charitable program
  • Our financial advisors provide personalized guidance for homebuyers and students
  • We maintain 24/7 digital access with mobile check deposit and Zelle integration
Associations and certifications
  • NCUA
  • Equal Housing Lender
What people say
Empathetic staff Friendly smiles Great service Stress-free process Expert guidance
Services
Personal Checking
Our personal checking accounts provide flexible money management solutions with options like Kasasa Cash and Youth Checking. These accounts offer competitive rates, mobile banking integration, and fraud protection. Members benefit from no hidden fees and easy access to ATMs across Hawaii while maintaining daily financial control.
Auto Loans
We offer auto loans starting at 5.75% APR with flexible terms for new and used vehicle purchases. Our financing specialists help members find affordable payment plans while providing pre-approval options. Loan holders receive personalized support throughout the repayment process and access to refinancing opportunities.
Mortgages
Our mortgage programs help Hawaii residents achieve homeownership with competitive rates and personalized guidance. Services include conventional mortgages, HELOCs, and energy-efficient loan options. We provide educational resources for first-time buyers and maintain streamlined application processes with local underwriting expertise.
Mobile Banking
Our mobile app enables 24/7 account management with features like mobile check deposit, Zelle transfers, and real-time fraud alerts. Users can monitor credit scores, manage cards through CardControl, and access budgeting tools. The platform supports contactless payments via mobile wallets and integrates with financial planning resources.
Student Loans
We provide student loan programs through Ascent Funding to support academic pursuits. These loans feature competitive rates and flexible repayment options for various educational paths. Members receive guidance on financial planning and access to resources that help manage education expenses effectively.
Questions
How do I access online banking services?
Visit our website, click 'Login', and enter your credentials. New users should select 'Enroll Now' to create an account with verification via SMS code.
What loan options are available for first-time homebuyers?
We offer conventional mortgages and HELOCs with educational resources for first-time buyers, including homebuyer guidance programs specific to Hawaii's housing market.
Can I apply for membership online?
Yes, you can start the membership application process online through our secure portal or by scheduling an appointment with our team.
How does the Share Aloha program work?
This rounding-up program automatically donates transaction change to local charities. When you use your Gather FCU card, the difference gets directed to community causes.
What security features protect my accounts?
We employ real-time fraud monitoring, card control features, and secure login protocols. Our mobile app provides instant transaction alerts and suspicious activity reporting.