Credit union · NCUA insured
Honolulu Federal Credit Union (HOCU) Credit Card Rates
Top CarrotHonolulu Federal Credit Union (HOCU) credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Honolulu Federal Credit Union (HOCU)’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Honolulu Federal Credit Union (HOCU) has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Honolulu Federal Credit Union (HOCU)
9.75%APR
VISA® Platinum Credit Card
Lowest rate
Hawaii Schools FCU
7.90%APR
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
Honolulu Federal Credit Union (HOCU) credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Honolulu Federal Credit Union (HOCU) 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 Credit Card
HOCU membership required. Rates are listed as low as and subject to change without notice. Actual rates may differ based on creditworthiness/credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75% | None | Up to 25 day grace period. Fixed rate. Minimum monthly payment is 3% of balance per month. Maximum loan amount $25,000. Balance transfer fee (finance charge): 3.00% of each balance transfer. |
VISA® Gold Credit Card
HOCU membership required. Rates are listed as low as and subject to change without notice. Actual rates may differ based on creditworthiness/credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75% | None | Up to 25 day grace period. Fixed rate. Minimum monthly payment is 3% of balance per month. Maximum loan amount $25,000. Balance transfer fee (finance charge): 3.00% of each balance transfer. |
VISA® Platinum Credit Card
HOCU membership required. Rates are listed as low as and subject to change without notice. Actual rates may differ based on creditworthiness/credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Up to 25 day grace period. Fixed rate. Minimum monthly payment is 3% of balance per month. Maximum loan amount $25,000. |
VISA® Share Secured Credit Card
HOCU membership required. Secured to regular share account; maximum credit limit cannot exceed available regular shares. Requires a minimum share secured amount of $250.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.99% | None | Up to 25 day grace period. Fixed rate. Minimum monthly payment is 3% of balance per month. Maximum loan amount $50,000. Balance transfer fee (finance charge): 3.00% of each balance transfer. |
Who can join Honolulu Federal Credit Union (HOCU)
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.