Credit union · NCUA insured
UHFCU Credit Card Rates
Top CarrotUHFCU credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How UHFCU’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where UHFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UHFCU
9.99%APR
Visa Platinum Plus Credit Card
Lowest rate
Hawaii Schools FCU
7.90%APR
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
UHFCU credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UHFCU 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.
Cash Wave Credit Card
Introductory rate requires reservation number from letter and offer acceptance by November 30, 2025. Standard rates depend on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR on all purchases for 6 months (until the first day of the billing cycle that includes the 6-month anniversary date of account opening) for limited-time offer expiring November 30, 2025. After that, APR will be 16.49%-18.00%. |
| Ongoing | 16.24%–18.00% | None | Variable APR tiers (16.24%, 17.74%, or 18.00%) based on credit qualifications. No annual fee. Rate includes a discount for automatic payment. |
| Ongoing | 5.90% | None | Promotional APR for balance transfers made between January 1, 2025/2026 and March 31, 2026; promotional rate remains through statement ending October 2026, after which standard retail/purchase APR applies. |
Visa Platinum Plus Credit Card
Credit approval required. Rate displayed is the lowest rate available, including a discount for automatic payment.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Fixed APR. Rate includes a discount for automatic payment. Subject to credit approval. |
| Ongoing | 5.90% | None | Promotional APR for balance transfers made between January 1, 2027 and March 31, 2027; promotional rate remains through statement ending October 2027, after which standard retail/purchase APR applies. |
Who can join UHFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.