Credit union · NCUA insured
Hawaii First FCU Credit Card Rates
Top CarrotHawaii First FCU credit cards start at 8.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Hawaii First FCU’s credit card rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii First FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hawaii First FCU
8.95%APR
Visa Platinum Card
Lowest rate
Hawaii Community Federal Credit Union
7.90%APR
3rd-lowest rate
Big Island Federal Credit Union
9.50%APR
Hawaii First FCU credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii First 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 Platinum Card
Membership with Hawaii First FCU is required in order to proceed upon loan approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95% | None | With rewards; fixed APR. |
| Ongoing | 12.95% | None | Without rewards; fixed APR. |
Sources (3)
All captured Oct 7, 2026
Who can join Hawaii First FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives on the Island of Hawaii is eligible for membership.
- Persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawaii are eligible for membership.
Family and household
- Immediate family members are eligible for membership.
Other ways
- Persons participating in programs to alleviate poverty or distress located on the Island of Hawaii are eligible for membership.
- Incorporated and unincorporated organizations located on or maintaining a facility on the Island of Hawaii are eligible for membership.
Membership information collected October 4, 2026.