Credit Cards · Hilo, Hawaii

Best Credit Union Credit Card Rates in Hilo, Hawaii

4 credit unions in Hilo report credit card APRs to the NCUA. Rates range from 9.00% to 12.43%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.00%

Lowest Card APR

10.74%

City Average APR

Credit Card APRs — Hilo, Hawaii

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CU HAWAII ★ 3.6 · 43 reviews	9.00%	12.00%
2	BIG ISLAND ★ 4.3 · 12 reviews	9.61%	8.22%
3	HAWAII COUNTY EMPLOYEES ★ 4.5 · 8 reviews	11.90%	11.90%
4	HFS ★ 4.9 · 531 reviews	12.43%	8.92%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Hilo could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Hilo credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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