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Hawaii Central Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo Annual FeeHAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance$0, No Cash Advance FeeHAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer$0, No Balance Transfer FeeHAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Opening conditionsHawaii Central Federal Credit Union membership eligibility is required. Please see Visa Platinum Cash Rewards Program Terms and Conditions for complete details or call our Consumer Loan Department HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back1% cash back. Payment timing is not disclosed. Earn 1% cash back! Cash back will automatically be credited to your statement, monthly.HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back5% cash back. Payment timing is not disclosed. Promotional 5% cash rewards offer only applies to new Visa accounts effective as of 5/1/19. After the introductory 6 months, you will receive 1% cash rewards on all net purchases. Net purchases are purchases minus credits and returns. For the first 6 months after opening, the maximum monthly credit is $375.00 and is based on monthly eligible net purchases of $7,500. After the introductory 6-month period, there is no limit to the amount that can be earned. This offer is subject to change without notice.HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website