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Overview
Why get a Credit Card from HFS?
In a world where cards are as ubiquitous as cash, there are a number of good reasons to use a credit card. Using your card will help you build credit, offers better protection than cash or a debit card and allows you to earn rewards for cash back, merchandise, gift cards, travel and more. Your HFS Rewards Visa Credit Credit Card transactions are available through Online Banking, where you can view account balances, check available credit, view monthly statements and transactions, pay your bill and more.
Start earning rewards points by register your Credit Card with uChoose Rewards!
- Low variable rate
- Credit limits up to $50,000
- No annual fee2
- Easy 24-hour online access
- EMV Chip Technology to protect your data
- Earn uChoose Rewards® on every purchase3
- A new & convenient way to make purchases using Apple Pay™4
Additional Info
Additional Benefits of your HFS Rewards Visa Credit Card
- Auto Rental Collision Damage Waiver Program
- $500,000 in Travel Accident Insurance
- Travel and Emergency Assistance Services
For complete details, review the Visa Benefits Guide
Additional Resources:
Visa Checkout
Pay online the easier way with Visa Checkout and your HFS Rewards Visa Credit Card.
- When you’re shopping online, easily pay with a single login from any device
- Guard your data behind multiple layers of security
Simply enroll, add your HFS Rewards Visa Credit Card, and look for the Visa Checkout button when you shop online.
Lost or Stolen VISA Credit Card
For 24 hour Customer Service, to change a PIN, or to report a lost or stolen VISA Credit Card, please contact: Toll Free (844) 546-8218 International (571) 526-3632 Visa Credit Card Application and Solicitation Disclosure
Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.75% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 8.75%This APR will vary with the market based on the Prime Rate. APR for Cash Advances 8.75% This APR will vary with the market based on the Prime Rate.
How To Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee – Annual Fee None Transaction Fees – Balance Transfer Fee None – Cash Advance Fee None – Foreign Transaction Fee 1.00% of the transaction amount in U.S. dollars for transactions with a currency conversion
0.80% of the transaction amount in U.S. dollars for transactions without a currency conversionPenalty Fees – Late Payment Fee Up to $25.00 – Returned Payment Fee Up to $25.00 How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases)”. Effective Date. The information about the costs of the card described in this application is accurate as of July 1, 2020. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Credit Card is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when your are not a covered borrower; or (ii) you cease to be a covered borrower. Other Fees & Disclosures Late Payment Fee 10.00% of your current required minimum payment, if you are 10 or more days late in making a payment. However, the fee will not exceed $25.00. Returned Payment Fee $25.00 or the amount of your current required minimum payment, whichever is less. Document Copy Fee $25.00 per copy Emergency Card Replacement Fee $100.00 for request originating and delivered inside the U.S. Emergency Card Replacement Fee $165.00 for requests originating or delivered outside the U.S. Rush Fee $80.00 Statement Copy Fee $5.00 per copy Account Research Fee $25.00 per hour (minimum 1 hour) If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 930-1400.
1APR= Annual Percentage Rate. Rate is 8.75% APR as of July 1, 2020. 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 07/01/2020.
21.00% Foreign Transaction Fee is applicable.
3uChoose Rewards is a registered trademark of Fiserv, Inc. or its affiliates.
4Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.All Credit Cards are subject to credit approval.
Membership with the Credit Union is required and 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. A minimum opening balance of $50.00 is required to open a Savings Account.Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.
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Reviews
VISA® Credit Card Reviews
Terrible customer service follow throughI found a small amount on my credit card going to an unknown company that I hadn't noticed had been automatically being paid for 7 months. I called the company but they "didn't know" how'd I'd gotten signed up for their service. So I went to the HFS FCU Visa website to dispute the charges. After not being contacted by an HFS FCU agent after almost a month of waiting, I called the number on the credit card web page. That went to the Hilo HFS FCU office who proceeded to tell me that they don't handle credit card disputes and that I needed to call the help number on the back of the card. When I spoke to the HFS FCU credit card agent, they told me they never look at the credit card web site or the disputes entered because they don't control the web site and that I should have called their number instead. The agent claimed that they were made aware of my disputes and that I should have received a form in the mail to write out my dispute. Since I hadn't received this supposed form that had been mailed, she would send me a new form, which would be mailed in 3 weeks. Why is there such obvious disconnect between the credit union and the credit card office? Why have a web site with services and phone numbers that don't work? Why would it take 3 weeks for me to get a form to dispute wrongful transactions. In this day and age, it should be a matter of days for something like this to get fixed. Very frustrated and vert disappointed with HFS FCU!
Hi Luisa,
Thank you for making us aware of this situation. Since VISA is our card processor, they are the ones who handle any disputes. Unfortunately, we have heard some reports of response times being delayed in the past few months and we sincerely apologize for the inconvenience.
Awesome CardThe HFS Visa is an awesome card. The application was kind of a bummer because I couldn't fill out the dates(birthdate, address and employment dates) on the application unless I was on a PC. Not even my laptop could get the date thing to work. Besides it being slightly difficult to fill out it was super fast and easy to do. Also paying from your account on Online Banking is super convenient as is requesting for a credit limit increase.
Excellent card!I've had my HFS Visa for almost 15 years now and I am happy I applied all those years ago. With low rates that make payments manageable on a mediocre income and an understanding staff, it's incredible. My husband and I were able to keep a rock steady credit score during and after our home foreclosure in 2010 simply because we were able to make the affordable payments on this NO APR Visa. Thank you HFS for keeping us afloat just with this card and the wonderful supporting staff!
Hi! We’re glad that you love your HFS Rewards Visa® Credit Card! Our card was designed with our members in mind: a low variable rate, rewards program, no annual fee, and EMV chip technology.
Card is fine, but can't manage account onlineThe card works well enough, but we can't manage our account online anymore--set up autopay, check our balance, see our transactions. Hopefully we get this feature soon--or even better --mobile credit card management (we need an app for that)
Thank you very much for your feedback! With our new HFS Rewards Visa® Credit Card you now have 24/7 online access to your credit card information through HFS Online Banking. Once logged in to Online Banking, simply click on “Visa Credit Card” to direct you to HFS Credit Card Online Account Management. From there you may view your account balance, check available credit, view monthly statements and transactions, make payments and more! If you have any other questions please feel free to contact us at (808) 930-1400. Mahalo!
Good rates, but less productRates are good, customer service is good. You only get one card, even if the spouse/partners name is on the statement. No more scorecard reward points after July 2015
Thank you very much for your feedback. We’re very sorry for the inconvenience. In most cases we are able to provide two cards if there is a joint member who would also like to use the credit card on the same account. One of our Service Representatives will be contacting you to help.
In regards to the ScoreCard® Rewards Points, unfortunately these will be discontinued on June 30, 2015 and points must be redeemed by August 31, 2015. Please stay tuned to our member communications as we have exciting new benefits for your card to be announced in early September.
Love my low interest Visa cardI love my low interest Visa card EZ to use excepted every were I been every in Alaska .
Great job HFS does...I got a personal loan and i am a happy camper...thanks Melanie
Wonderful!Easy to use, online set-up was quick and efficient. The agents have all been helpful!
Great cardI just got my visa card very low intrest rate , very happy cant wait to use it slowly.
Great ServiceI just applied in the morning by afternoon was approved , and service is excellent
Grat customer serviceIts simple and easy to use. again customer service is great.
Rewards are not discussed in detail.For those who carry credit card debt, this may be a good choice, but when ads leave out important details and offer no simple way to learn, then I vote "poor".
My Review
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Calculator
Calculator
Credit Card Loan Calculator
The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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FAQ
Frequently Asked Questions
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What do I do if my transaction won’t go through and I know I still have an available credit line?
You may contact the Credit Union to provide the decline reason. Common reasons include improper card number, expiration date or security code. Be sure to check these, especially with online purchases.
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Who do I call if my card is lost or stolen?
For 24-hour Customer Service, to change a PIN, or to report a lost or stolen VISA Credit Card, please contact:
- Toll Free: (844) 546-8218
- International: (571) 526-3632
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What are the minimum and maximum limits for the HFS Rewards VISA Credit Card?
The minimum and maximum amount a member may apply for is $500 and $50,000 respectively.
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How long do I have to wait to receive my card once approved?
Credit Cards can now be printed and issued in-branch so you may receive your card on the same day.
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How do I start earning rewards?
Members must register the Credit Card with uChoose Rewards in order to start earning points. Point balances and redemption options are also available on this website.
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If my current contact information is different than what is shown on my account, should I apply with my new information?
Yes. Please note that during the loan review process, we will need to verify your contact information for discrepancies. To make this process as efficient as possible, please update your information on Online Banking, visit any branch, or call 930-1400 before submitting your application.
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How do I dispute a transaction on my card?
As soon as you discover a transaction that was not made by you, please call the number on the back of your card:
- Credit Card Transactions: 1-844-546-8218
- Debit Card Transactions: 1-855-251-1788
You can also visit us at one of our branches or send us a secure message through Online Banking.
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What do I do if my transaction won’t go through and I know I still have an available credit line?
Questions?
Drop us a message anytime with your questions about VISA Credit Cards.