Credit union · NCUA insured
HFS Federal Credit Union Credit Card Rates
HFS Federal Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How HFS Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Hilo, HI, where HFS Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HFS Federal Credit Union
12.50%APR
HFS Visa Platinum Credit Card
Lowest rate
Hawaii Community Federal Credit Union
7.90%APR
2nd-lowest rate
Hawaii First FCU
8.95%APR
HFS Federal Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HFS 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.
HFS Visa Platinum Credit Card
Membership required; open to those who live, work, worship, attend school, volunteer, or participate in associations headquartered on the Island of Hawai'i. A minimum opening balance of $50.00 is required to open a Savings Account. Credit approval required. For California borrowers, the card is secured by personal property/shares.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Variable APR based on Prime Rate (Wall Street Journal) plus a margin of 5.50%. Max rate 18%. Adjusted quarterly. Minimum credit limit is $500, maximum is $50,000. |
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months on balance transfers posted to account during the first 90 days following account opening. Valid for new cardholders; existing balances on HFS FCU loan or credit card accounts are ineligible. |
HFS Visa Signature Credit Card
Membership required; open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawai'i. A minimum opening balance of $50.00 is required to open a Savings Account. Credit approval required. For California borrowers, the card is secured by personal property/shares.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50%–18.00% | None | Variable APR based on creditworthiness. Rate is Prime plus a margin of 7.5%, 9.5%, 11.5%, or 13.5%. Maximum rate 18%. Adjusted quarterly. Minimum credit limit is $5,000, maximum is $50,000. |
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months from account opening on balance transfers made in the first 90 days of account opening. Valid for new cardholders; existing balances on HFS FCU loan or credit card accounts are ineligible. |
Who can join HFS Federal Credit Union
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 persons who live on the island of Hawai‘i.
Employers and groups
- Membership is open to employees of HFS Federal Credit Union.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the island of Hawai‘i.
Family and household
- Membership is open to members of the immediate families (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, and adoptive relationships) or households of eligible persons, and organizations of such persons.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to incorporated and unincorporated organizations located on the island of Hawai‘i, or maintaining a facility on the island of Hawai‘i.
1 more way to join
Other ways
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawai‘i.
Cost to join
- A minimum opening deposit balance of $50.00 is required to open a Savings Account to establish membership.
Membership information collected October 4, 2026.