"HFS gives us the best options and always makes sure we're taken cared of!"
- Sheri
A credit card with extra benefits and rewards
Why get an HFS Visa Signature® Credit Card?
When you want more from your card, look no further than the HFS Visa Signature® Credit Card. Enjoy all of the benefits and features of the Visa Platinum® Credit Card, plus more! More rewards, more exclusive benefits, and special offers. Explore all the features
Low variable rate based on creditworthiness[1]
No annual or foreign transaction fees
Credit limits from $5,000 to $50,000
Contactless Pay Technology with the option to also insert or swipe your card
Earn 2 CURewards® points 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
Special Offers For New Cardholders
Introductory Balance Transfer 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!
Bonus Rewards Offer
Want to kick start your point earnings with $300 cash back? Earn 30,000 CURewards® points when you make $3,000 in purchases in the first 90 days of account opening! **
Lost or Stolen HFS Visa Signature® Credit Card
| For 24 hour Customer Service, to change a PIN, or to report a lost or stolen Visa Signature® Credit Card, please contact: | |
| Toll Free | (866) 604-8139 |
| International | (727) 299-2449 |
| Change PIN | (888) 886-0083 |
I filled out the credit card application online. Very easy to deal with and got approved a week later. Much mahalos!
Additional info
Additional Benefits of your HFS Visa Signature® Credit Card
- Enjoy special access to unforgettable experiences with your HFS Visa Signature® Credit Card from fine wine and food events, luxury hotels and premium car rental service to once-in-a-lifetime sporting events, shopping and more.
- Auto Rental Collision Damage Waiver Program
- $500,000 in Travel Accident Insurance
- Travel and Emergency Assistance Services
- Roadside Dispatch®
- ID Navigator Powered by NortonLifeLock
- Extended Warranty Protection
- Porch Piracy Protection
For complete details, review the Visa Signature® Benefits Guide
Additional Resources:
CURewards®
When you use your HFS Visa Signature® Credit Card on everyday purchases you’ll earn 2 CURewards® points 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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*Only valid for new cardholders. Any existing balances on HFS FCU loan or credit card accounts are ineligible.
**Cardholder must make $3,000 worth of purchases (excludes cash advances and balance transfers) within the first 90 days of approval to qualify for the bonus of 30,000 CURewards® points. Bonus Points will be reflected on the cardholder(s) next statement after successfully meeting the criteria above. The credit card account must be open and active at the time the bonus points are deposited to the cardholder(s) CURewards® account. Members may register for a CURewards® account by visiting www.curewards.com. Points will expire three years from the end of the calendar year in which they are earned and will expire on a first-in, first-out basis annually.
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. Rates are as low as 15.00% APR as of January 1, 2025. 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 7.5%, 9.5%, 11.5%, or 13.5% based on your creditworthiness. 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 7.50% as of 1/01/2025.
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.
Rates
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Annual Percentage Rate (APR) for Purchases and Cash Advances |
15.00% – 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
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Annual Percentage Rate (APR) for Balance Transfers |
1.99% Introductory APR for 12 months from account opening. After that, your APR will be 15.00% – 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
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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. |
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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: April 21, 2025
APR= Annual Percentage Rate. Rates are as low as 15.00% APR as of January 1, 2025. 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 7.5%, 9.5%, 11.5% or 13.5% based on your credit worthiness. 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 7.50% as of 1/01/2025.
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.
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Annual Fee |
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Balance Transfer Fee |
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Cash Advance Fee |
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Foreign Transaction Fee |
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Late Payment Fee |
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Returned Payment Fee |
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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. |
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Returned Payment Fee |
$25.00 |
or the amount of your current required minimum payment, whichever is less. |
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Emergency Card Replacement Fee |
$100.00 |
for requests originating and delivered inside the U.S. |
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Emergency Card Replacement Fee |
$165.00 |
for requests originating or delivered outside the U.S. |
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Rush Fee |
$80.00 |
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Statement Copy Fee |
$5.00 |
per copy |
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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 January 1, 2025. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Signature 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 based on credit worthiness[1]
No annual or foreign transaction fees
Credit limits from $5,000 to $50,000
Contactless Pay Technology with the option to also insert or swipe your card
Earn 2 CURewards® points 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
Visa Signature specific benefits and more!
Apply for an HFS Visa Signature® Credit Card
New Members
Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.
Current Members
Log in to Online Banking for a quicker application process.
If you prefer to complete your application in-branch with a Loan Officer, please visit us at your nearest HFS branch location.
Open Account
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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