Credit union · NCUA insured
Hawaii Community Federal Credit Union Credit Card Rates
Top CarrotHawaii Community Federal Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Hawaii Community Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii Community Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hawaii Community Federal Credit Union
7.90%APR
Platinum
2nd-lowest rate
Hawaii First FCU
8.95%APR
3rd-lowest rate
Big Island Federal Credit Union
9.50%APR
Hawaii Community Federal Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii Community 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
You must be a member of Hawaii Community Federal Credit Union in good standing who maintains a minimum balance of $50 in savings account. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers. Minimum credit limit $500, maximum credit limit $20,000. Minimum payment is the greater of $10 or 3.0% of the outstanding balance. |
Sources (2)
All captured Oct 22, 2026
Gold
You must be a member of Hawaii Community Federal Credit Union in good standing who maintains a minimum balance of $50 in savings account. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers. Minimum credit limit $2,000, maximum credit limit $20,000. Minimum payment is the greater of $10 or 3.0% of the outstanding balance. |
Sources (2)
All captured Oct 22, 2026
Platinum
You must be a member of Hawaii Community Federal Credit Union in good standing who maintains a minimum balance of $50 in savings account. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers. Minimum credit limit $5,000, maximum credit limit $20,000. Minimum payment is the greater of $10 or 3.0% of the outstanding balance. |
Sources (2)
All captured Oct 22, 2026
Who can join Hawaii Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.