Credit Card Rates

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Special VISA® rates to assist our 'ohana

Looking for a lower credit card rate? Check out Hawaii Community Federal Credit Union. Our rates help you save on purchases and debt consolidation.

Effective Date: 9/25/2017
Classic Gold Platinum
Annual Percentage Rate (APR) for Purchases and Cash Advances 15.00%* 9.90%* 7.90%*
Minimum Credit Limit $500 $2,000 $5,000
Maximum Credit Limit $20,000 $20,000 $20,000
Minimum Payments The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.
Annual Fee NO FEE
Grace Period for Purchases Twenty-five (25) days
Method of Computing the Balance for Purchases Average daily balance (including new transactions)
Late Fee 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment; Not to exceed $25.
Free Additional Benefits Rental Car Collision Damage & $250,000 Travel Accident Insurance Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection
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.

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