Credit union · NCUA insured
Ko’olau FCU Credit Card Rates
Ko’olau FCU credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Ko’olau FCU’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Ko’olau FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ko’olau FCU
12.90%APR
- Annual fee
- $10
VISA Classic
Lowest rate
Hawaii Schools FCU
7.90%APR
- Annual fee
- None
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
- Annual fee
- None
Ko’olau FCU credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ko’olau 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.
Secured VISA
110% of the credit limit must be placed on hold in a non-interest bearing share account prior to the card being issued. Available Credit Limit: $500 - $15,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.00% | None | Fixed interest rate. No annual fee or balance transfer fee. |
VISA Classic
Available Credit Limit: $500 - $10,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | $10 | Fixed interest rate. $10 annual fee. No balance transfer fee. |
VISA Platinum Rewards
Available Credit Limit: $2,500 to $15,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Variable APR based on WSJ Prime Rate thereafter. No annual fee or balance transfer fee. |
Who can join Ko’olau FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships or attends school in Honolulu County (the island of Oahu).
Military, government and schools
- All personnel of Marine Corps Base Hawaii, military, civilians, and their household members are eligible to join.
Family and household
- Membership is available to immediate family members of eligible members, regardless of where they live.
Membership information collected October 4, 2026.