Credit Cards · Lihue, Hawaii

Best Credit Union Credit Card Rates in Lihue, Hawaii

3 credit unions in Lihue report credit card APRs to the NCUA. Rates range from 9.25% to 10.02%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.25%

Lowest Card APR

9.75%

City Average APR

Credit Card APRs — Lihue, Hawaii

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	GARDEN ISLAND ★ 3.7 · 6 reviews	9.25%	10.75%
2	GATHER ★ 4.1 · 19 reviews	9.99%	13.00%
3	KAUAI ★ 4.6 · 12 reviews	10.02%	10.59%

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 Lihue 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 Lihue credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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