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HFS Federal Credit Union
Free - On the App Store

HFS FCU iOS app icon

HFS Federal Credit Union
Free - On the App Store

We are always looking for ways to improve the value of our products and services for our members and this summer, our credit card program is getting a boost!



  • Updates (4/30/2021)- More FAQs added to further prepare cardholders for the upgrade.
  • Announcement (4/1/2021)- Welcome to our Credit Card Upgrade page which will have all the information you will need to know about the changes coming to your card. Stay tuned for more updates as we get closer.



Date Details Status
Late June 2021 New HFS Visa Platinum®  Credit Cards mailed to current cardholders
Thursday, July 1, 2021 Last day to earn uChoose Rewards®
Friday, July 2, 2021 All purchases will begin accruing CURewards® points
Thursday, July 8, 2021 Last day to redeem points with uChoose Rewards®Any points not used will be converted to CURewards® points and will be available for redemption in the CURewards® platform within 1-2 weeks.
Saturday, July 10, 2021 Last day to use your current HFS Rewards Visa® Credit Card
Sunday, July 11, 2021 First day to activate and use your new card. Remember to properly dispose of your old HFS Rewards Visa® Credit Card.
Friday, July 16, 2021 Sign in to your HFS Online Banking or the Mobile App to access your new card app and controls. In the meantime, for assistance with your new card, you may also call (808) 930-1400 or the Customer Service number on the back of your new card.

New Features

  • Brand new card design featuring photography from Bruce Omori of Extreme Exposure, LLC
  • New features and exiting rewards program, CURewards® 
  • No more foreign transaction fees
  • Pay how you want! Tap, swipe or insert your card to pay
  • Increased fraud monitoring and alerts to better protect you
  • More card controls through HFS Online Banking and the Mobile App
  • Additional protections and benefits, complimentary with your card
  • More announcements coming soon!

Frequently Asked Questions

Program Changes

Question: Will there be changes to my credit card terms and conditions?

Answer: All existing terms and conditions will remain the same with the exception of the following:

  • Certain fees have been eliminated
  • New rewards program
  • New customer service phone numbers and payment address
    • Customer Service: (866) 604-8153, International: (727) 299-2449
    • Payment Address: PO Box 60510, City of Industry, CA 91716-0510

Question: Will my interest rate change?

Answer: The interest rate on your current card will follow the same variable rate structure as it does now. Rate is 8.75% APR as of April 1, 2021. The stated rate of 8.75% 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 3.25% as of 04/01/2021.

Question: Are there changes in the fees?

Answer: Yes, we are eliminating some fees to further benefit our cardholders. In addition to no annual fees we have also eliminated the document copy fees and foreign transaction fees.

Question: Will my card information change?

Answer: Yes. Cardholders will be receiving new credit card numbers so it will be very important to update your information with any companies that you’ve set up automatic payment with. Tip: Do you have Online Banking? Click on Menu > Transactions > CardSwap. If you’ve never used this handy feature, it allows you to update your payment information with popular subscription and streaming services, merchants, and more all in one place!

You’ll also notice that your name, card number and expiration date is now on the back of your card. This is another way of helping to protect your sensitive information at store checkouts and ATMs. With your information on the back, when inserting your card into the machine or tapping your card, your sensitive data is no longer visible to those next to you.

Question: How do I use my new contactless card?

Answer: Your new card is an EMV card equipped with contactless technology. This means you can choose to tap, swipe, or insert your card to pay.

Questions: What are the protections and benefits that will be available with my new card?

Answer: You’ll be able to enjoy all the benefits you had, complementary with your Rewards Card, and more! You can review a copy of the HFS Visa Platinum Credit Card Benefits Guide for complete details.


Question: What is going to happen with my uChoose Rewards® points that I don’t redeem?

Answer: Rest assured that you will not lose your accrued points, they will be automatically converted to the new program and will not expire for 4 years. We will have more details soon rewarding your new rewards program, CURewards®. However, if you would like to redeem your points for something on uChoose®, please feel free to do so before July 8, 2021.


Question: Will I be able to still look at my previous electronic credit card statements?

Answer: No. Unfortunately after July 8, 2021, you will no longer have access to the current credit card site. If you will need copies of any of your previous statements, please download a copy prior to July 8, 2021.

8 replies to “2021 Credit Card Upgrade

Jeanette Lucas-Medeiros

Increased credit limi t



Aloha Jeanette! If you are interested in a credit limit increase for your credit card, please either submit an application online at https://hfsfcu.org/visa-credit-card/ or call (808) 930-1400 to schedule an appointment with a loan officer. Mahalo!

Brandon Laning

Once I get a new card from the mail, will it require any steps to get it working with my current bank account, or will it work without any setup required?


Posted by: Ashley

Hi Brandon,
Your new card will come with instructions to activate it beginning on 7/11/2021. Since you’ll get it before then, be sure to keep it in a safe place. Thanks!

Innocentia Jacobs

Do you need to pay for an upgrade? i have made and investment on a trading platform not i’m required to pay for HFS upgrade in order to get my profit. Is this normal


Posted by: Ashley

Good Morning. There is no cost for our current cardholders to upgrade their card. Could you please contact our Call Center at (808) 930-1400 to discuss your question regarding the investment platform? They will be able to better assist you after getting more information. Thanks!


Will the CU rewards still have the cash redemption that UChoose had?


Posted by: Ashley

Hey Cathy,

Yes, CURewards will have a cash back option too!

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