Credit union · NCUA insured
Big Island Federal Credit Union Credit Card Rates
Top CarrotBig Island Federal Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Big Island Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Hilo, HI, where Big Island Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Big Island Federal Credit Union
9.50%APR
Gold
Lowest rate
Hawaii Community Federal Credit Union
7.90%APR
2nd-lowest rate
Hawaii First FCU
8.95%APR
Big Island Federal Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Big Island Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic
Up to $25,000 credit limit; Members must qualify under BIFCU's membership & lending guidelines; Fixed annual percentage rate
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | 25-day grace period for purchases |
Gold
Up to $25,000 credit limit; Members must qualify under BIFCU's membership & lending guidelines; Fixed annual percentage rate
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50% | None | 25-day grace period for purchases |
Who can join Big Island Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live on the island of Hawaii.
- Membership is open to incorporated and unincorporated organizations located on the island of Hawaii.
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawaii.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the island of Hawaii.
Cost to join
- A one-time $1.00 membership fee is required to get started.
- A minimum $50.00 deposit is required to open a share account.
Membership information collected October 4, 2026.