"They covered everything I needed to know regarding the Visa Platinum® Card. HFS FCU is a great credit union!"
- JoAnn
A card that allows you to purchase goods and services with borrowed funds on credit
Why get an HFS Visa Platinum® Credit Card?
Enjoy the convenience of making purchases with a credit card and earn rewards as you spend too! Our HFS Visa Platinum® Credit Card is also a great way to build or get started with credit. Explore all the features
Low variable rate[1]
No annual or foreign transaction fees
Credit limits from $500 to $50,000
Contactless Pay Technology with the option to also insert or swipe your card
Earn 1 CURewards® point per $1 spent and redeem for cash back, gift cards, merchandise or travel
24/7 access to card controls through HFS Online Banking and the Mobile App
Introductory Offer
Take advantage of our limited time 1.99% Introductory APR for 12 months on balance transfers made in the first 90 days of account opening. After the intro period ends, interest rates will be the standard rate at the time.*
Simply call the number on the back of your new card to transfer a balance!
*Offer valid for new cardholders. Any existing balances on HFS FCU loan or credit card accounts are ineligible.
Lost or Stolen HFS Visa Platinum® Credit Card
| For 24 hour Customer Service, to change a PIN, or to report a lost or stolen Visa Platinum® Credit Card, please contact: | |
| Toll Free | (866) 604-8153 |
| International | (727) 299-2449 |
| Change PIN | (888) 886-0083 |
I applied for a credit card through HFS FCU. They answered all my questions, kept good communication, and made the loan process quick and easy! After everything was processed and reviewed, I received my credit card within two days!
Additional info
Additional Benefits of your HFS Visa Platinum® Credit Card
- Auto Rental Collision Damage Waiver Program
- $500,000 in Travel Accident Insurance
- Travel and Emergency Assistance Services
- Roadside Dispatch®
- ID Navigator Powered by NortonLifeLock
For complete details, review the Visa Platinum® Benefits Guide
Additional Resources:
CURewards®
When you use your HFS Visa Platinum® Credit Card on everyday purchases you’ll earn 1 CURewards® point per dollar to use towards travel, hotel stays, merchandise, gift cards, or even cash back! Create an account to access and redeem your points today!
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If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 808-930-1400.
1APR= Annual Percentage Rate. Rate is 13.50% APR as of October 1, 2024. The stated rate of 13.50% 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 8.00% as of 10/01/2024.
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 Hawai’i. 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.
Visa Credit Card Application and Solicitation Disclosures
Rates
|
Annual Percentage Rate (APR) for Purchases and Cash Advances |
13.50% This APR will vary with the market based on the Prime Rate. |
|
Annual Percentage Rate (APR) for Balance Transfers |
1.99% Introductory APR for 12 months from account opening. After that, your APR will be 13.50%. 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 https://www.consumerfinance.gov/learnmore. |
Rates current as of: December 21, 2024
APR= Annual Percentage Rate. Rate is 13.50% APR as of October 1, 2024. The stated rate of 13.50% 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 8.00% as of 10/01/2024.
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 Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.
| Fees | Rates |
|---|---|
|
Annual Fee |
|
|
Balance Transfer Fee |
|
|
Cash Advance Fee |
|
|
Foreign Transaction Fee |
|
|
Late Payment Fee |
|
|
Returned Payment Fee |
|
|
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. |
|
Emergency Card Replacement Fee |
$100.00 |
for requests 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) |
How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases)”.
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on HFS Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Effective Date.
The information about the costs of the card described in this application is accurate as of October 1, 2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum 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.
All features
Low variable rate[1]
No annual or foreign transaction fees
Credit limits from $500 to $50,000
Contactless Pay Technology with the option to also insert or swipe your card
Earn 1 CURewards® point per $1 spent and redeem for cash back, gift cards, merchandise or travel
24/7 access to card controls through HFS Online Banking and the Mobile App
Additional Visa benefits
Apply for an HFS Visa Platinum® Credit Card
New Members
Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.
Current Members
Open Account
Leaving Our Website
You are leaving the HFS Federal Credit Union website. HFS Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by HFS Federal Credit Union and HFS Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of HFS Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the HFS Federal Credit Union website