Credit union · NCUA insured
Hawaii State FCU Credit Card Rates
Hawaii State FCU credit cards start at 14.40% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Hawaii State FCU’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii State FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hawaii State FCU
14.40%APR
- Up to
- 18.00% APR
Visa Platinum Rewards
Lowest rate
Hawaii Schools FCU
7.90%APR
- Up to
- —
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
- Up to
- —
Hawaii State FCU credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii State 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.
Always Cash Visa Signature Rewards
Membership in Hawaii State Federal Credit Union required; available to Hawaii residents. Minimum credit line of $5,000. No annual fee, cash advance fees, foreign transaction fees, or balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Variable APR for Purchases, Balance Transfers, and Cash Advances, determined based on creditworthiness. Varies with the U.S. Prime Rate. Maximum APR permitted by law is 18.0%. Minimum credit line $5,000. |
Sources (2)
- hawaiistatefcu.com/personal/cards/credit-cards
- hawaiistatefcu.com/personal/ca…/always-cash-credit-card
All captured Oct 22, 2026
Share Secured Visa Platinum Rewards
Membership in Hawaii State Federal Credit Union required; available to Hawaii residents. Requires a minimum credit line of $500. No annual fee, cash advance fees, or foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | APR of 18.00% for Purchases, Balance Transfers, and Cash Advances, based on creditworthiness at account opening. Adjusts with the U.S. Prime Rate (described as fixed APR of 18.00% adjusting with U.S. Prime Rate / variable APR of 18.00%). Minimum credit line $500. Maximum APR permitted by law is 18.0%. |
Visa Platinum Rewards
Membership in Hawaii State Federal Credit Union required; available to Hawaii residents. Requires a minimum credit line of $500. No annual fee, cash advance fees, or foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40%–18.00% | None | Variable APR of 14.40% to 18.00% for Purchases, Balance Transfers, and Cash Advances, determined by creditworthiness at account opening. Adjusts with the U.S. Prime Rate. Minimum credit line of $500. Maximum APR permitted by law is 18.0%. |
Who can join Hawaii State FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Hawaii residents who are employees or members of an enrolled Select Business Partner located in the State of Hawaii are eligible to join.
Military, government and schools
- Hawaii residents who are active or retired employees of The State of Hawaii, City and County of Honolulu, Maui County, or Hawaii State FCU are eligible to join.
Family and household
- Hawaii residents who are immediate family members (including spouses, parents, grandparents, children, siblings) or household members of current members, as well as spouses of persons who died while within the field of membership, are eligible to join.
Other ways
- Hawaii residents who make a donation to either Friends of the Library Hawaii or The Friends of Iolani Palace are eligible for membership.
Membership information collected October 4, 2026.