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Hawaii State 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 STATE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance—
Balance transfer$0, 1. No cash advance, balance transfer, or foreign transaction fees. APRs current as of 10/8/2026 and vary with the market based on the U.S. Prime Rate plus a margin determined by creditworthiness. Rates are subject to change without notice. Maximum APR is 18.0%, as permitted by law. Available to Hawaii residents only.HAWAII STATE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Opening conditions1. No cash advance, balance transfer, or foreign transaction fees. APRs current as of 10/8/2026 and vary with the market based on the U.S. Prime Rate plus a margin determined by creditworthiness. Rates are subject to change without notice. Maximum APR is 18.0%, as permitted by law. Available to Hawaii residents only. HAWAII STATE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Signup bonuspoints award5,000 points. Spend $1,000 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. Get 5,000 bonus points when you make $1,000 in purchases in the first 90 daysHAWAII STATE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Signup bonuspoints award5,000 points. Spend $1,000 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. Get 5,000 bonus points when you make $1,000 in purchases in the first 90 days.HAWAII STATE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website