Credit union · NCUA insured
Lōkahi Federal Credit Union Credit Card Rates
Lōkahi Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Lōkahi Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Lōkahi Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Lōkahi Federal Credit Union
9.90%APR
Lōkahi FCU Rate Mastercard®
Lowest rate
Hawaii Schools FCU
7.90%APR
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
Lōkahi Federal Credit Union 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 Lōkahi 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.
Lōkahi FCU Access Mastercard®
Lokahi FCU membership required. Designed for members with limited or no credit history; includes share-secured options. Credit limits from $3,000 to $25,000 (secured: $1,000 to $3,000).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.90% | None | Purchase, balance transfer, and cash advance APR 16.90% (1.4083% Monthly Periodic Rate). No annual fee, balance transfer fee, or cash advance fee. |
Sources (2)
All captured Oct 3, 2026
Lōkahi FCU Rate Mastercard®
Lokahi FCU membership required. Credit limits from $5,000 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Purchase, balance transfer, and cash advance APR 9.90% (0.8250% Monthly Periodic Rate). No annual fee, balance transfer fee, or cash advance fee. |
Sources (2)
All captured Oct 3, 2026
Lōkahi FCU Reward Mastercard®
Lokahi FCU membership required. Credit limits from $5,000 to $25,000. Earn 1.5% reward points on everyday purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Purchase, balance transfer, and cash advance APR 13.90% (1.1583% Monthly Periodic Rate). No annual fee, balance transfer fee, or cash advance fee. |
Sources (2)
All captured Oct 3, 2026
Lōkahi FCU World Mastercard®
Lokahi FCU membership required. Credit limits from $10,000 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Purchase, balance transfer, and cash advance APR 13.90% (1.1583% Monthly Periodic Rate). No annual fee, balance transfer fee, or cash advance fee. |
Sources (2)
All captured Oct 3, 2026
Who can join Lōkahi 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
- Anyone who lives, works, worships, or attends school in the City and County of Honolulu (Island of Oahu), Hawaii is eligible for membership.
Employers and groups
- Employees of Lōkahi FCU are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- Spouses of persons who died while within the field of membership of Lōkahi FCU are eligible for membership.
Membership information collected October 4, 2026.