Make your holidays merrier with the HFS Rewards Visa® Credit Card.
This offer has ended. For the 2019 Consolidation Loan please click here.
0% Introductory APR1 Through October 1, 2019
This special rate applies to all purchases2 and outside credit card balance transfers3 made from November 1 to December 31, 2018. After the intro period, APR is 10.50% (as of October 1, 2018), subject to increase based on market conditions.
Simply apply online, visit any of our branch locations or give us a call to schedule an appointment with a Loan Officer.
Offers are good from November 1 – December 31, 2018.
Insured by NCUA. 1APR= Annual Percentage Rate. Rate is 10.50% APR as of October 1, 2018. 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 5.50%. The APR may be adjusted quarterly with a maximum rate of 18.00%. Subject to credit approval. 2Introductory purchase rate is valid for new credit cards opened from November 1 – December 31, 2018. 3The balance transfer special is valid for current and new cardholders.
Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership with the Credit Union. A minimum opening balance of $50.00 is required to open a Savings Account.
Is there a balance transfer fee?
Annual Card fee?
What is the rewards program?
Aloha Jackie! There is no balance transfer fee or annual card fee with the HFS Rewards Visa Credit Card. The rewards program is called uChoose Rewards, which gives you one point per dollar on every purchase you make to redeem for gift cards, travel, merchandise, cash back and more! You can find more information at https://hfsfcu.org/visa-credit-card/. Mahalo for asking!
Can I use the card to pay off a loan I have and get the special rate?
Aloha Jana, Unfortunately credit cards are not able to be used for loan payments. The special rate only applies to balance transfers from other credit cards or new purchases if you are a new cardholder. We do have a personal loan promotion going on now as well that could be used to pay off your current loan, however the current loan would have to be with another financial institution to qualify. To learn more about the personal loan special, please click on this link: https://hfsfcu.org/news/tis-the-season/. If you have any other questions, please feel free to contact us at (808) 930-1400. Mahalo!
If I apply for the HFS Rewards Visa® Credit Card through the SavvyMoney website, will I get the SavvyMoney rate posted as Regular APR*9.75% or will I get the “Unwrap a Great Rate” introductory offer good from November 1 – December 31, 2018?
Aloha Richard,
When you apply through SavvyMoney it’ll take you to our website to apply, so you will receive the introductory offer that is good through December 31, 2018. Feel free contact us at (808) 930-1400 should you have any other questions. Mahalo!
If I already have a Visa Credit Card from HFS, am I still eligible for the 0% interest rate on Balance transfers?
Aloha Zena,
Yes, if you are a current HFS Rewards Visa Credit Card holder, you are eligible for the current balance transfer promotion rate. Feel free to contact us at (808) 930-1400 should you have anymore questions. Mahalo!
Is this for new cardholders only? Or if I make a large purchase on my existing card, will I also get the 0% promo rate? Please clarify. Thank you.
Aloha Michael, the 0% promo rate on new purchases is for new cardholders only. Existing cardholders can take advantage of the 0% balance transfer special. Mahalo for asking!