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Current Rates Discover the latest rates for our full array of services

Credit Card Rates Rates for Credit Cards and lines of credit.

Effective Date: September 29, 2015

Annual Percentage Rate (APR) for Purchases and Cash Advances15.00%* 9.90%*7.90%*
Minimum Credit Limit$500$2,000$5,000
Maximum Credit Limit$20,000$20,000$20,000
Minimum PaymentsThe minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.
Annual FeeNO FEE
Grace Period for Cash PurchasesTwenty-five (25) days
Method of Computing the Balance for PurchasesAverage daily balance (including new transactions)
Late FeeThe larger of $5 or 5% of the past due paymentThe greater of $25 or 5% of the past due payment
Free Additional BenefitsRental Car Collision Damage & $250,000 Travel Accident InsuranceRental Car Collision Damage & $1,000,000 Travel Accident InsuranceRental Car Collision Damage & $1,000,000 Travel Accident Insurance
Over Limit Fee$20 for each payment period account balance exceeds the credit limit

* Annual Percentage Rate. Rates are subject to change without notice. All loans subject to credit approval.

The information about the costs of the VISA card described in this application is accurate as of July 1, 2006. The information may have changed after that date. To find out what may have changed, call us at (808) 930-7700 or write to us at Hawaii Community Federal Credit Union, 73-5611 Olowalu St. Kailua-Kona, Hi 96740.