; Credit Card Rate Summary - Hawaii Central Federal Credit Union

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Hawaii Central Rate Summary

VISA ® Platinum Cash Rewards Credit Card

Earn 1% Cash Back every year! Cash Back earned throughout the year will automatically be credited to your statement, monthly. For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.

Rate Effective as of May 1, 2023

APR* after intro TERM


Introductory Fixed Rate


*APR=Annual Percentage Rate. 0.99% APR promotional rate will apply to purchases and balance transfers made during the promotional period of May 1, 2024 through July 31, 2024. Promotional rate offer available to existing and new credit card accounts opened during the promotional period. Credit card accounts that are currently receiving the introductory 2.99% APR are not eligible for this offer. Current cardholders must be in good standing to be eligible for the 0.99% APR promotional rate. There is no balance transfer fee. The promotional rate of 0.99% APR will apply to purchases and balance transfers made during the promotional period through your statement ending October 2024. Beginning November 1, 2024, your rate will convert to your standard APR. Your standard APR after the promotional period will be 14.15% - 18.00% APR based on your creditworthiness and may vary with the market based on the Prime Rate. Other restrictions apply. Purchases and balance transfers made outside of the promotional period will be charged your standard APR. Promotional 5% cash rewards offer only applies to new Visa accounts effective as of 5/1/19. After the introductory 6 months, you will receive 1% cash rewards on all net purchases. For the first 6 months after opening, the maximum monthly credit is $375.00 and is based on monthly eligible net purchases of $7,500. After the introductory 6-month period, there is no limit to the amount that can be earned. This offer is subject to change without notice. Cash reward earnings are credited to your card account, monthly. Hawaii Central Federal Credit Union membership is required. Please see Visa Platinum Cash Rewards Program Terms and Conditions for complete details or call our Consumer Loan Department at (808) 536-0833. Federally insured by NCUA.