Credit Cards · Honolulu, Hawaii
13 credit unions in Honolulu report credit card APRs to the NCUA. Rates range from 7.65% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
7.65%
Lowest Card APR
11.19%
City Average APR
13 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HAWAII LAW ENFORCEMENT ★ 3.7 · 33 reviews | 7.65% | 10.21% |
| 2 | HAWAII SCHOOLS ★ 5.0 · 4 reviews | 8.14% | 8.33% |
| 3 | HONOLULU ★ 4.4 · 34 reviews | 9.75% | 11.07% |
| 4 | HAWAIIUSA ★ 3.9 · 59 reviews | 9.90% | 7.50% |
| 5 | HAWAIIAN FINANCIAL ★ 3.8 · 17 reviews | 9.90% | 11.90% |
| 6 | LOKAHI ★ 3.8 · 10 reviews | 9.90% | 11.50% |
| 7 | UNIVERSITY OF HAWAII ★ 4.4 · 96 reviews | 9.99% | 8.74% |
| 8 | HAWAII ★ 3.6 · 51 reviews | 10.56% | 10.99% |
| 9 | HONOLULU FIRE DEPARTMENT ★ 3.7 · 9 reviews | 10.99% | 11.75% |
| 10 | HAWAIIAN ELECTRIC EMPLOYEES ★ 5.0 · 3 reviews | 12.00% | 6.72% |
| 11 | HAWAII CENTRAL ★ 3.3 · 38 reviews | 12.40% | 10.00% |
| 12 | ALOHA PACIFIC ★ 4.0 · 23 reviews | 16.24% | 9.50% |
| 13 | HAWAII STATE ★ 3.0 · 30 reviews | 18.00% | 11.25% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Honolulu could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Honolulu credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.