Elevate Your Banking Experience with HFS

Rates effective as of: October 2, 2025

Disclosures

1APR=Annual Percentage Rate. Rates are effective as of January 1, 2025. 2The 5.75% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments. Monthly payments at 5.75% APR for 12 months will be $863.58 per $10,000.00 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms are available. Applications may be submitted online or at any HFS FCU branch location.

Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.

Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.

Rates effective as of: October 2, 2025

APR= Annual Percentage Rate. Rate is 12.75% APR as of October 1, 2025. The stated rate of 12.75% APR is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 5.50%. The APR may be adjusted quarterly on the first day of January, April, July and October with a maximum rate of 18%. The index value is determined as of 10 days before the date of any annual percentage rate adjustment. The current index value is 7.25% as of 10/01/2025.

All Credit Cards are subject to credit approval.

Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases)”.

Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on HFS Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date.
The information about the costs of the card described in this application is accurate as of October 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.