Garden Island Federal Credit Union

Headquarters: Lihue, Hawaii
Charter: Credit Union
Assets: $126.2M
Fed district: San Francisco

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Māla Checking
Garden Island Federal Credit Union: $6
Garden Island Federal Credit Union: $6
U.S. median: no median
Overdraft (OD)
Garden Island Federal Credit Union: $20
Garden Island Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Garden Island Federal Credit Union: $20
Garden Island Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Hawaii: Banks and credit unions headquartered in Hawaii that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Garden Island Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Māla Checking: Account Maintenance Fee (monthly)$6
per month
Inactive/Dormant Account: Per quarter (inactive for 1 year or more)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

EFT Overdraft/NSF (non-sufficient funds)$20
per item
Overdraft/NSF (non-sufficient funds)$20
per item
Overdraft/NSF (non-sufficient funds)$20
per item

ATM & Card

VISA® Debit Card Replacement$5
per item
Expedited VISA® Debit Card Replacement$20
per item
Foreign Transaction Fee1%of the transaction
per transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$35
per item
Incoming Domestic Wire Transfer$10
per item
Outgoing International Wire Transfer$50
per item
Incoming International Wire Transfer$10
per item

Check Services

EFT Stop Payment$15
per item
Stop Payment$15
per item

Fee	Amount	Basis	Note
Account Maintenance
Māla Checking: Account Maintenance Fee (monthly)	$6	per month	None
Inactive/Dormant Account: Per quarter (inactive for 1 year or more)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
EFT Overdraft/NSF (non-sufficient funds)	$20	per item	None
Overdraft/NSF (non-sufficient funds)	$20	per item	None
Overdraft/NSF (non-sufficient funds)	$20	per item	None
ATM & Card
VISA® Debit Card Replacement	$5	per item	None
Expedited VISA® Debit Card Replacement	$20	per item	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$35	per item	None
Incoming Domestic Wire Transfer	$10	per item	None
Outgoing International Wire Transfer	$50	per item	None
Incoming International Wire Transfer	$10	per item	None
Check Services
EFT Stop Payment	$15	per item	None
Stop Payment	$15	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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