Credit Cards · Kahului, Hawaii

Best Credit Union Credit Card Rates in Kahului, Hawaii

3 credit unions in Kahului report credit card APRs to the NCUA. Rates range from 7.99% to 12.65%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.99%

Lowest Card APR

10.88%

City Average APR

Credit Card APRs — Kahului, Hawaii

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	KAHULUI ★ 3.9 · 7 reviews	7.99%	10.50%
2	VALLEY ISLE COMMUNITY ★ 3.5 · 13 reviews	12.00%	8.25%
3	MAUI ★ 3.4 · 11 reviews	12.65%	7.50%

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

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