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Credit Card Agreements and Disclosures

Visa Platinum and Share-Secured Credit Card Agreement



Credit Cards

Visa Signature® Cash Rewards Credit Card

It’s your perfect everyday credit card, built for you with feedback from users like you. Better yet, it comes filled with hundreds of benefits, upgrades and experiences that are already yours for the taking. 

  • 1% Cash Back on all Purchases
  • No Annual Fee
  • Low Annual Percentage Rate (APR)
  • No Cash Advance
  • No Balance Transfer Fees
  • No Foreign Transaction Fees
  • Fraud Protection & Secure Transactions with EMV Chip Technology


Additional Card Benefits:

  • Auto Rental Collision Damage Waiver
  • Warranty Manager Service
  • Personal Identity Theft
  • Buyer’s Protection


To learn more about the features and benefits of a Visa Signature® Cash Rewards Credit Card, click here.

What is EMV Chip Technology?
An EMV chip is embedded in the card and provides stronger security and protection against fraudulent transactions at participating merchants in the US and around the world.  It also allows you to pay at international merchants where EMV chip cards are the standard.

 

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan. 

Visa®Platinum Rewards Credit Card
A Hawaii State FCU Visa Platinum Rewards credit card is safe, convenient, and saves you money. Accepted worldwide, it’s the perfect alternative to carrying cash at home or abroad. Apply for one today. Superior purchasing power and higher spending limits are yours!

Rewards are also available through a Visa Platinum Rewards credit card. Earn one reward point for every dollar spent on your card. Points can be redeemed for trips around the world or toward a large selection of quality brand-name merchandise including home entertainment systems, sports equipment, jewelry, house wares and more. The more you use your Visa Platinum card, the more rewards you earn!

Check out the current catalog of rewards at www.CURewards.com.

To view your available points and redeem them for rewards, log-in to Home Banking, and on the Credit Cards section click the CURewards logo.

Here’s what else you get with a Hawaii State FCU Visa Platinum Rewards credit card:

  • No Annual Fee
  • Low Annual Percentage Rate (APR)
  • 2500 bonus rewards points upon first card usage
  • No cash advance transaction fees
  • No balance transfer fees
  • Members can use their Hawaii State FCU Visa Platinum Rewards card at any Hawaii State FCU ATM to get cash advances without incurring ATM surcharge fees, cash advance transaction fees, or special cash advance interest rates (standard credit card interest rates still apply).
  • Your Visa card is equipped with Verified by Visa - a free online service that adds an extra layer of protection when making purchases with your Visa credit card on the Internet.
  • AutoPay conveniently deducts your Visa payment from your checking or savings account when it becomes due, so your payments are always on time (pay the entire balance in full, pay the minimum required, or pay a fixed dollar amount).
  • View your Visa credit card account information and transaction history, order replacement cards or download monthly statements at the click of a button. Simply sign-up for Home Banking Account Access and enjoy the ease and convenience of banking through the Internet.
  • Receive 24-hour Auto Rental Insurance coverage for damage due to collision or theft, up to the actual cash value of most rental vehicles, at no additional cost when certain terms and conditions are met. To activate this coverage, simply decline the damage coverage offered by the car rental company.


 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan. 


Share Secured Visa® Platinum Rewards

Available for members establishing or re-establishing credit. Credit is secured, or backed by the available funds in your credit union savings account.

 

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan. 

Featured Loan Rates
APR as low as *
Personal4.00%
Auto1.99%
Motorcycle3.90%
 
*Click rate for more info. These are the lowest rates available.

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