Credit Cards

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Family of three.

Choose the Hawaii State FCU Credit Card That’s Right for You!

Your wallet and your finances deserve the best. We offer credit cards to fit your life and budget, including cards that earn rewards, build credit and offer Visa® security and fraud protection.

  • Best if you want:

    Best if you want:

  • Earn Rewards

    Earn Rewards

  • No Annual Fee

    No Annual Fee

  • Low Annual Percentage Rate (APR)

    Low Annual Percentage Rate (APR)

  • No Cash Advance Fees

    No Cash Advance Fees

  • No Balance Transfer Fees

    No Balance Transfer Fees

  • No Foreign Transaction Fees

    No Foreign Transaction Fees

  • Best if you want:

    A credit card that rewards you with 1% cash back for every purchase.

  • Earn Rewards

  • No Annual Fee

  • Low Annual Percentage Rate (APR)

  • No Cash Advance Fees

  • No Balance Transfer Fees

  • No Foreign Transaction Fees

  • Signature
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  • Best if you want:

    To earn rewards points good for merchandise, travel and gift cards.

  • Earn Rewards

  • No Annual Fee

  • Low Annual Percentage Rate (APR)

  • No Cash Advance Fees

  • No Balance Transfer Fees

  • No Foreign Transaction Fees

  • Platinum Rewards
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  • Best if you want:

    To build your credit backed by the available funds in your Savings account.

  • Earn Rewards

  • No Annual Fee

  • Low Annual Percentage Rate (APR)

  • No Cash Advance Fees

  • No Balance Transfer Fees

  • No Foreign Transaction Fees

  • Share Secured
    Learn More

Earn Double Rewards for Gas & Grocery Purchases in October!

Get rewarded for each dollar spent on qualifying gas and grocery purchases between October 1- 31, 2019 when you use your Hawaii State FCU Visa® Credit Card! Visa® Signature credit cardholders earn 2% cash back3 and Platinum Rewards and Business Signature Rewards credit cardholders earn double Rewards Points!4 See below for qualifying transaction locations.


It’s Better When You Use Your Hawaii State FCU Visa® Credit Card

Qualifying Transaction Locations Include: Discount stores, grocery stores, supermarkets, gas service stations and automated fuel dispensers, candy, nut and confectionary stores, dairy product stores, bakeries, convenience stores, and more.

Gas-and-Grocery-Credit-Card-Oct2019-Promo-v2

Earn 2% Cash Back on Every Purchase

Put a Visa® Signature Cash Rewards Credit Card in your wallet and earn 2% cash back on all purchases for the first 90 days.5

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Hawaii State FCU Visa<sup>®</sup> Signature Card Consumer Credit Card Cash Rewards 2017

Earn 5x the Points

Open a Visa® Platinum Rewards Credit Card and earn 5,000 bonus points when you make $1,000 in purchases for the first 90 days.

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Hawaii State FCU Card Consumer CreditCard Platinum Rewards 2017

Design Your Own Credit Card

Show off your favorite photo every time you use your Hawaii State FCU Visa® Credit Card. For a limited time, it’s free to design your own card!6

To get started, log in to Online Banking and go to “Credit Card” account summary and then click “Design Your Own Card.”

Hawaii State FCU Card Consumer Custom Credit Card Cash Rewards 2017

Credit Card Product*

Terms

Current Variable Index Rate**

Credit Card Product*

Visa® Signature Cash Rewards

Terms

Revolving

Current Variable Index Rate**

11.40% to 13.40% APR

Credit Card Product*

Visa® Platinum Rewards

Terms

Revolving

Current Variable Index Rate**

11.40% to 18.00% APR

Credit Card Product*

Share Secured Visa® Platinum Rewards

Terms

Revolving

Current Variable Index Rate**

18.00% APR

Member Testimonial

Day-to-day transactions with bank tellers are always quick and staff are always professional. Doing paperwork for loans, credit cards and unauthorized charges on credit cards has always been trouble free and the staff is always helpful.

Mark H.

Expand your Wallet Wisdom

Learn to manage, save, invest, borrow and spend wisely, now and in the future.

Free 1-Hour Seminars

Like any strong family, we support each other and share what we know. Join us for a free educational seminar.

Online Learning

Find financial peace of mind with interactive eLearning modules that cover everything, from identity theft to building a budget.

Financial Counseling

Free, confidential counseling is available for you and your immediate family.

Money Advice

Follow the Hawaii State FCU Wallet Wisdom blog. Learn tips and tricks to manage your money to improve your financial well-being.

Improve Your Financial Success

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Experience the Hawaii State FCU difference.
Disclosures

1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Signature Cash Rewards card is 11.65% to 13.65%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/7/2019 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Cash Rewards are based on net purchases. Minimum credit line is $5,000 for the Signature Cash Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.

2. The variable APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards card is 11.65% to 18.00%, when you open your Account, based on your creditworthiness. The variable APR for Purchases, Balance Transfers and Cash Advances for the Share Secured Platinum Rewards Credit Card is 18.00%. The APRs are current as of 8/7/2019 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%).Rewards Points are based on net purchases. Minimum credit line is $500 for the Platinum Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.

3. 2% cash-back rewards are eligible for Gas & Groceries purchases less returns that post to your account between October 1, 2019, through October 31, 2019. Cash-back rewards for all other purchases less returns will continue to accrue at 1% for every dollar spent. HSFCU shall determine which purchases qualify based on the transaction date. Cash rewards will be posted to your account at the close of each quarterly billing cycle. Cash advances, balance transfers and finance charges do not earn points.

4. Double Rewards Points are eligible for Gas & Groceries purchases less returns that post to your account between October 1, 2019, through October 31, 2019. Points for all other purchases less returns will continue to accrue at one point for every dollar spent. HSFCU shall determine which purchases qualify based on the transaction date. Points will be posted to your account at the close of each billing cycle. Cash advances, balance transfers and finance charges do not earn points.

5. Offer subject to credit approval. Earn 2% cash back for the first 90 days on all net purchases. After that, a 1% cash back reward will apply to net purchases. The variable APR for Purchases, Balance Transfers and Cash Advances for the Signature Cash Rewards card is 11.65% to 13.65%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/7/2019 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Cash Rewards are based on net purchases. Minimum credit line is $5,000 for the Signature Cash Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.

6. The first “Design Your Own Card” is complimentary. Thereafter, the fee for “Design Your Own Card” service is $9.95 per card. This feature is available 60 days after your card is issued.

Credit Card Holder Agreement | Credit Card Holder Application Disclosure

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Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

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