Credit Cards
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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. Learn more about how applying for a credit card with Hawaii State can help you establish and improve your credit score.
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Best if you want:
Best if you want:
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Earn Rewards
Earn Rewards
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No Annual Fee
No Annual Fee
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Low Annual Percentage Rate (APR)
Low Annual Percentage Rate (APR)
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No Cash Advance Fees
No Cash Advance Fees
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No Balance Transfer Fees
No Balance Transfer Fees
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No Foreign Transactions Fees
No Foreign Transactions Fees
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Best if you want:
A credit card that rewards you with 1% cash back for every purchase.
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Earn Rewards
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No Annual Fee
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Low Annual Percentage Rate (APR)
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No Cash Advance Fees
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No Balance Transfer Fees
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No Foreign Transactions Fees
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Signature
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Best if you want:
To earn rewards points good for merchandise, travel and gift cards.
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Earn Rewards
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No Annual Fee
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Low Annual Percentage Rate (APR)
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No Cash Advance Fees
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No Balance Transfer Fees
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No Foreign Transactions Fees
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Platinum Rewards
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Best if you want:
To build your credit backed by the available funds in your Savings account.
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Earn Rewards
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No Annual Fee
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Low Annual Percentage Rate (APR)
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No Cash Advance Fees
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No Balance Transfer Fees
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No Foreign Transactions Fees
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Share Secured
Ready to open a Hawaii State FCU Credit Card and need more assistance?
Schedule an appointment online at one of our branches.
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.3
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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.
Apply Now
ID Navigator Powered by NortonLifeLock
Hawaii State FCU Visa® Signature Cash Rewards and Visa® Platinum Rewards credit cards include ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.
Learn More
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Credit Card Product* |
Terms |
Current Variable Index Rate** |
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Credit Card Product* Visa® Signature Cash Rewards |
Terms Revolving |
Current Variable Index Rate** 15.90% to 17.90% APR |
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Credit Card Product* Visa® Platinum Rewards |
Terms Revolving |
Current Variable Index Rate** 15.90% to 18.00% APR |
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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.
Get Financially Healthy with Hawaii State FCU's Wallet Wisdom
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 online courses 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.
Not yet a member?
Ready to open a Hawaii State FCU credit card?
Start your online application
Schedule an appointment at one of our branches.
Contact us
1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Signature Cash Rewards card is 15.90% to 17.90%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/8/2023 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 15.90% 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 8/8/2023 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. 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 15.90% to 17.90%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/8/2023 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.
Credit Card Holder Agreement | Credit Card Holder Application Disclosure