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Rate Summary

Visa Platinum Rewards Credit Card

Earn 1% Cash Back every year! Cash Back earned throughout the year will automatically be credited to your statement in May and November. 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, 2020

TERM
APR*
INTRO TERM
APR* after intro TERM
2.99%APR*

FIXED RATE

6 Month Introductory Fixed Rate
8.90%APR*-18.00%APR*

VARIABLE RATE

*APR=Annual Percentage Rate. Your specific rate may vary, depending on your credit worthiness and other factors. Other restrictions apply. 2.99% APR introductory rate will apply to all purchases and balance transfers made during the initial 6 months of opening your new Visa account. After the introductory 6 months, APR will be 8.90% to 18.00% based on your creditworthiness and may vary with the market based on the Prime Rate. 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. Net purchases are purchases minus credits and returns. 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 rewards earnings are credited to your card account in your May and November statements of each year. 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.