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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. Learn more about how applying for a credit card with Hawaii State can help you establish and improve your credit score.

  • 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 Transactions Fees

    No Foreign Transactions Fees

  • Best if you want:

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

  • 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.

  • 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.

  • 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

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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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Cash Back Visa Signature Cash Rewards Credit Card

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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Rewards Visa Platinum Rewards Credit Card

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.

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Credit Card Product*

Terms

Current Variable Index Rate**

Credit Card Product*

Visa® Signature Cash Rewards

Terms

Revolving

Current Variable Index Rate**

15.90% to 17.90% APR

Credit Card Product*

Visa® Platinum Rewards

Terms

Revolving

Current Variable Index Rate**

15.90% 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.

Get Financially Healthy with Hawaii State FCU's Wallet Wisdom

Learn to manage, save, invest, borrow and spend wisely, now and in the future.
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Free 1-Hour Seminars

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

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Online Learning

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

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Financial Counseling

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

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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.

Ready to open a Hawaii State FCU credit card?

Start your online application

Open an Account

Schedule an appointment at one of our branches.

Schedule an Appointment
Disclosures

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

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, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. 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, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

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