Credit union · NCUA insured
HawaiiUSA FCU Credit Card Rates
HawaiiUSA FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How HawaiiUSA FCU’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where HawaiiUSA FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HawaiiUSA FCU
9.90%APR
- Up to
- 16.90% APR
1% Cash Back Visa 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
- —
HawaiiUSA FCU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HawaiiUSA 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.
1% Cash Back Visa Credit Card
Rates based on creditworthiness. Maximum line available is $15,000.00, based on qualifications. Minimum membership length requirement based on credit score. Other membership guidelines and restrictions may apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–16.90% | None | Rates based on creditworthiness. Save on purchases. Maximum line up to $15,000.00. |
| Ongoing | 9.90%–16.90% | None | Rates based on creditworthiness. Save on balance transfers. No balance transfer fees. Maximum line up to $15,000.00. |
2% Cash Back Visa Credit Card
$50 annual fee. Fixed 17.99% APR subject to creditworthiness and HawaiiUSA's loan terms and conditions. Maximum line of $25,000.00, based on qualifications. Minimum membership of 12-months required to open account. Other membership guidelines and restrictions may apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | $50 | Fixed APR on balances won't change based on market fluctuations. Rate is a fixed 17.99% APR subject to creditworthiness. Maximum line of $25,000.00. Minimum membership of 12-months required to open account. No fee for cash advances and balance transfers. |
Who can join HawaiiUSA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with any of the credit union's 10,000+ Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to individuals (or members of their family or household) who are employees, retirees, students, or student parents in a majority of Hawaii pre-K through 12th grade schools.
Family and household
- Eligibility is open to immediate family members of existing HawaiiUSA members.
Membership information collected October 4, 2026.