Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	8%–16.90%HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8.00% to 16.90%”HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
APR for balance transfers	8%–16.90%HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8.00% to 16.90%”HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
APR for cash advances	8%–16.90%HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“8.00% to 16.90%”HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	up to $25HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25”HAWAIIUSA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2

Life Matters Cash Back Visa Credit Card Agreement and Disclosurepage 2 of 12

HawaiiUSA Federal Credit Union 1226 College Walk Honolulu, HI 96817-3946

Life Matters Cash Back Visa Credit Card Agreement and Disclosure Part 1 of 2

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 8.00% to 16.90% APR for Balance Transfers · 8.00% to 16.90% APR for Cash Advances · 8.00% to 16.90% Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · None None None Penalty Fees • Late Payment • Returned Payment · Up to $25 Up to $25

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new transactions).' See Part 2 of 2 of this Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of this Agreement, in Part 2 of 2.

1 2 3 4 5 6 7 8 9 10 11 12Pages 2 and 5 are cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“8.00% to 16.90%”
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HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“8.00% to 16.90%”
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HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“8.00% to 16.90%”
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HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“None”
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HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Up to $25”
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HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“There is no grace period on Balance Transfers and Cash Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“There is no grace period on Balance Transfers and Cash Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
HAWAIIUSA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR, Returned payment fee

Offered through: Hawaiiusa Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 1815
Branches: 15 in HI
Sources: Official issuer · 1 document · 2 pages cited

Documents

Life Matters Cash Back Visa Credit Card Agreement and Disclosureeffective date not parsed

Life Matters Cash Back Visa Credit CardHawaiiusa Credit Union · federal credit union, HI · NCUA 1815

Rates and fees