Credit union · NCUA insured
Hawaii Central Federal Credit Union Credit Card Rates
Hawaii Central Federal Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Hawaii Central Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii Central Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hawaii Central Federal Credit Union
12.40%APR
- Up to
- 18.00% APR
VISA Platinum Cash Rewards Credit Card
Lowest rate
Hawaii Schools FCU
7.90%APR
- Up to
- —
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
- Up to
- —
Hawaii Central Federal Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii Central 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.
VISA Platinum Cash Rewards Credit Card
Hawaii Central Federal Credit Union membership eligibility is required. See Visa Platinum Cash Rewards Program Terms and Conditions for complete details.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 2.99% | None | Introductory Fixed Rate. Promotional 5% cash rewards (1% base + 4% additional on up to $7,500 monthly eligible net purchases) for the first 6 months after opening. |
| Ongoing | 12.40%–18.00% | None | Variable APR after introductory term. Earn 1% cash back on all net purchases. No annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fee. |
Sources (2)
All captured Oct 7, 2026
Who can join Hawaii Central 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This may be incomplete or out of date, so check with the credit union before you apply.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 available to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Honolulu County (Island of Oahu), Hawaii.
Employers and groups
- Membership is open to employees of this credit union and organizations of such persons.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) and household members of credit union employees.
Cost to join
- Opening a Regular Share (Savings) Account officially establishes membership in Hawaii Central Federal Credit Union.
Membership information collected October 4, 2026.