Visa SignatureHFS Credit Union · federal credit union, HI · NCUA 1829
CurrentLast observed Oct 15, 2026Source date Oct 15, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 14.50%–18% variableHFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “14.50% – 18.00%”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 months | 1.99%HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “1.99%”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| After | 14.50%–18% variableHFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “14.50% – 18.00%”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR for cash advances | 14.50%–18% variableHFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “14.50% – 18.00%”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Variable APR capthe calculated APR will not exceed this amount | up to 18% | — | — |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual or foreign transaction feesHFS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No annual or foreign transaction fees”HFS · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 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 | — | no source read | |
| Opening conditions | 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.HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “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.”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR qualificationsBalance transfer · Introductory | Take advantage of our limited time 1.99% Introductory APR for 12 months on balance transfers made in the first 90 days of account opening. After the intro period ends, interest rates will be the standard rate at the time.* Simply call the number on the back of your new card to transfer a balance!HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “Take advantage of our limited time 1.99% Introductory APR for 12 months on balance transfers made in the first 90 days of account opening. After the intro period ends, interest rates will be the standard rate at the time.* Simply call the number on the back of your new card to transfer a balance!”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular | APR= Annual Percentage Rate. Rates are as low as 14.50% APR as of October 1, 2026. The stated rate is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 7.5%, 9.5%, 11.5%, or 13.5% based on your creditworthiness. 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 7.00% as of 10/01/2026.HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “APR= Annual Percentage Rate. Rates are as low as 14.50% APR as of October 1, 2026. The stated rate is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 7.5%, 9.5%, 11.5%, or 13.5% based on your creditworthiness. The APR may be adjusted quarterly on the first day of January, April, July, and October with a maximum rate of 18%. The ind…”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Purchase rewardsNot disclosed | 2 points per $1. See source conditions for eligible purchases.HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “When you use your HFS Visa Signature® Credit Card on everyday purchases you’ll earn 2 CURewards® points per dollar to use towards travel, hotel stays, merchandise, gift cards, or even cash back! Create an account to access and redeem your points today!”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Points expire 3 years from the end of the calendar year in which earned. Redemption options: travel, hotel stays, merchandise, gift cards, cash back. When you use your HFS Visa Signature® Credit Card on everyday purchases you’ll earn 2 CURewards® points per dollar to use towards travel, hotel stays, merchandise, gift cards, or even cash back! Create an account to access and redeem your points today!HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “When you use your HFS Visa Signature® Credit Card on everyday purchases you’ll earn 2 CURewards® points per dollar to use towards travel, hotel stays, merchandise, gift cards, or even cash back! Create an account to access and redeem your points today!”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Rewards source conditionsPurchase rewards | **Cardholder must make $3,000 worth of purchases (excludes cash advances and balance transfers) within the first 90 days of approval to qualify for the bonus of 30,000 CURewards® points. Bonus Points will be reflected on the cardholder(s) next statement after successfully meeting the criteria above. The credit card account must be open and active at the time the bonus points are deposited to the cardholder(s) CURewards® account. To view your rewards account and redeem points, log into HFS Online Banking from a desktop or log in to the HFS Cards App on a mobile device. Points will expire three years from the end of the calendar year in which they are earned and will expire on a first-in, first-out basis annually.HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “**Cardholder must make $3,000 worth of purchases (excludes cash advances and balance transfers) within the first 90 days of approval to qualify for the bonus of 30,000 CURewards® points. Bonus Points will be reflected on the cardholder(s) next statement after successfully meeting the criteria above. The credit card account must be open and active at the time the bonus points are deposited to the …”HFS · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |