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Credit Cards

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Family of three.

Your wallet and your finances deserve the best. Hawaii State FCU offers 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
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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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Hawaii State FCU Visa<sup>®</sup> Signature Card Consumer Credit Card Cash 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!4

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® Platinum Rewards

Terms

Revolving

Current Variable Index Rate**

10.65% to 18.00% APR

Credit Card Product*

Visa® Signature® Cash Rewards

Terms

Revolving

Current Variable Index Rate**

10.65% to 12.65% 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

Not yet a member? 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 10.65% to 12.65%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/9/2017 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 10.65% 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 8/9/2017 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 10.65% to 12.65%, when you open your Account, based on your creditworthiness. The APRs are current as of 8/9/2017 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.

4. The first “Design Your Own Card” is complimentary. There-after, the fee for “Design Your Own Card” service is $9.95 per card.

Card Holder Agreement

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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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