Credit union · NCUA insured
Hawaii FCU Credit Card Rates
Hawaii FCU credit cards start at 9.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Hawaii FCU’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hawaii FCU
9.00%APR
Visa Platinum
Lowest rate
Hawaii Schools FCU
7.90%APR
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
Hawaii FCU credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii FCU 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 Classic
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.88% | $15 | Non-variable APR. Final rate based on credit score. Rates subject to change without notice. |
Sources (1)
- hawaiifcu.org/loan-rates · captured Oct 7, 2026
Visa First
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | $25 | Non-variable APR. Final rate based on credit score. Rates subject to change without notice. |
Sources (1)
- hawaiifcu.org/loan-rates · captured Oct 7, 2026
Visa Gold
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50% | None | Non-variable APR. Final rate based on credit score. Rates subject to change without notice. |
Sources (1)
- hawaiifcu.org/loan-rates · captured Oct 7, 2026
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | None | Non-variable APR. Final rate based on credit score. Rates subject to change without notice. |
Sources (1)
- hawaiifcu.org/loan-rates · captured Oct 7, 2026
Who can join Hawaii FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school on the island of O’ahu.
Employers and groups
- Membership is open to individuals who participate in associations headquartered on O’ahu.
- Membership is open to employees of Hawaii FCU.
- Membership is open to incorporated and unincorporated organizations located on, or maintaining a facility on O’ahu.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate families and households of eligible persons.
4 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership.
Other ways
- Membership is open to volunteers in the community.
- Membership is open to individuals who participate in programs to alleviate poverty or distress located on O’ahu.
- Membership is open to existing Hawaii FCU members of record on March 27, 2009.
Cost to join
- Members must open a Savings Account and maintain a minimum balance of $30.
Membership information collected October 4, 2026.