Credit Cards · Hawaii
31 credit unions in Hawaii report credit card APRs to the NCUA. Rates range from 7.65% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
31
CUs Reporting Rates
7.65%
Lowest Card APR
11.19%
State Average APR
14
Cities Covered
31 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HAWAII LAW ENFORCEMENT Honolulu | 7.65% | 10.21% |
| 2 | KAHULUI KAHULUI | 7.99% | 10.50% |
| 3 | HAWAII SCHOOLS Honolulu | 8.14% | 8.33% |
| 4 | ONOMEA PAPAIKOU | 9.00% | 6.00% |
| 5 | CU HAWAII Hilo | 9.00% | 12.00% |
| 6 | GARDEN ISLAND Lihue | 9.25% | 10.75% |
| 7 | BIG ISLAND HILO | 9.61% | 8.22% |
| 8 | HONOLULU Honolulu | 9.75% | 11.07% |
| 9 | HAWAIIUSA Honolulu | 9.90% | 7.50% |
| 10 | LOKAHI Honolulu | 9.90% | 11.50% |
| 11 | HAWAIIAN FINANCIAL Honolulu | 9.90% | 11.90% |
| 12 | GATHER Lihue | 9.99% | 13.00% |
| 13 | UNIVERSITY OF HAWAII Honolulu | 9.99% | 8.74% |
| 14 | KAUAI Lihue | 10.02% | 10.59% |
| 15 | MAUI COUNTY Wailuku | 10.25% | 14.75% |
| 16 | HAWAII Honolulu | 10.56% | 10.99% |
| 17 | HAWAII FIRST Kamuela | 10.95% | 7.84% |
| 18 | HONOLULU FIRE DEPARTMENT Honolulu | 10.99% | 11.75% |
| 19 | EWA Ewa Beach | 11.50% | 9.50% |
| 20 | HAWAII COUNTY EMPLOYEES Hilo | 11.90% | 11.90% |
| 21 | VALLEY ISLE COMMUNITY Kahului | 12.00% | 8.25% |
| 22 | HAWAIIAN ELECTRIC EMPLOYEES Honolulu | 12.00% | 6.72% |
| 23 | HAWAII CENTRAL Honolulu | 12.40% | 10.00% |
| 24 | HFS HILO | 12.43% | 8.92% |
| 25 | MAUI KAHULUI | 12.65% | 7.50% |
| 26 | HAMAKUA Pepeekeo | 12.90% | 6.62% |
| 27 | KO`OLAU KAILUA | 12.90% | 10.46% |
| 28 | PEARL HAWAII WAIPAHU | 13.99% | 11.00% |
| 29 | HAWAII COMMUNITY Kailua Kona | 15.00% | 7.50% |
| 30 | ALOHA PACIFIC Honolulu | 16.24% | 9.50% |
| 31 | HAWAII STATE Honolulu | 18.00% | 11.25% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Hawaii accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Hawaii offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.