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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!



  • 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
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 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
  • More announcements coming soon!

Frequently Asked Questions

Program Changes

Question: Will my interest rate change?

Answer: The interest rate on your current card will follow the same 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: You will still be able to enjoy no annual fee on your current card. However, we will be removing the foreign transaction and document copy fees with your new card.

Question: Will my card information change?

Answer: Yes. Cardholders will be receiving new 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!


Question: What is going to happen with my uChoose Rewards points?

Answer: Rest assured that you will not lose your accrued points. We will have more details soon regarding our 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 11, 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.

4 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!

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