Apply for an HFS Visa Signature®️ Credit Card
Aloha and thank you for thinking of HFS Federal Credit Union!
Aloha and thank you for thinking of HFS Federal Credit Union!
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.
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! **
*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 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.
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.
Spend wisely. Earn splendidly!
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!
Additional Benefits of your HFS Visa Signature® Credit Card
For complete details, review the Visa Signature® Benefits Guide
Additional Resources:
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 |
Annual Percentage Rate (APR) for Purchases and Cash Advances | 15.75% – 18.00%
when you open your account, based on your creditworthiness. 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 15.75% – 18.00% based on your creditworthiness.
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 | None | |
Penalty 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)”. | ||
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 July 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union. |
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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. |
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. |
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) |
Pay online the easier way with Visa Checkout and your HFS Visa Signature® Credit Card.
Simply enroll, add your HFS Credit Card, and look for the Visa Checkout button when you shop online.
If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 930-1400.
1APR= Annual Percentage Rate. Rates are as low as 15.75% APR as of July 1, 2023. 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 8.25% as of 07/01/2023.
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.
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.
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.
For 24-hour Customer Service, to change a PIN, or to report a lost or stolen Visa Signature® Credit Card, please contact:
The minimum and maximum amount a member may apply for is $5,000 and $50,000 respectively.
Credit Cards can be printed and issued in-branch so you may receive your card on the same day.
Cardholders immediately begin accruing points on their purchases. To view your rewards account and redeem for cash back, gift cards or merchandise, register at www.curewards.com.
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.
As soon as you discover a transaction that was not made by you, please call the number on the back of your Visa Signature® Credit Card:
You can also visit us at one of our branches or send us a secure message through Online Banking.
A Contactless card payment utilizes a Radio Frequency (RF) technology, allowing cardholders to “wave” their Contactless card over a Contactless-enabled point-of-sale (POS) terminal. The embedded antenna transmits the payment info to the Contactless-enabled terminal using a one-time use code with each transaction. These new features allow for a secure, fast, and easy transaction process.
Every Contactless card payment transaction includes a one-time use, dynamic data for the transaction. This same data cannot be used for other transactions. In addition, each Contactless device must have its own unique secret key and this key is never transmitted.
Your new card also includes an embedded microchip and magnetic stripe, so that if you find your favorite stores have not updated their transaction terminals, you can use your new card in the same way that you had used a standard card.
Drop us a message anytime with your questions about the HFS Visa Signature® Credit Card.
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