From now until March 31, transfer other higher-interest credit card balances to a HawaiiUSA VISA® Credit Card at a low promotional rate. 

  • Low annual APR
  • No fees for maintenance, balance transfers or cash advances
  • No hidden accelerated interest rate or minimum finance charge
  • Plus learn about even more benefits


Visa Balance Transfer Rates


What you'll need to complete a balance transfer

Referencing your latest billing statement, make note of:

  • Total amount due
  • Account number
  • Creditor name and address


Visit any of our branches or call us at (808) 534.4300 to get started!


*APR = Annual Percentage Rate. The Promotional APRs are 5.90%, 7.90%, 10.90%, 5.90%, 7.90%, 7.90%, and 10.90%, and correspond to HawaiiUSA FCU Visa Credit Card Accounts for consumer accounts with Standard APRs of 8.00%, 9.96%, 12.96%, 8.00%, 9.50% 10.90%, and 14.90%, respectively. (For example, if your Standard APR is 9.96%, your Promotional APR is 7.90%.) The Promotional APRs are valid for qualifying balance transfers processed by HawaiiUSA FCU between 1/15/2018 and 3/31/2018. All qualifying balance transfers processed during that period will receive the Promotional APR until the billing cycle date in January 2019. After that, the Standard APR for your HawaiiUSA FCU Visa Credit Card Account will apply to all outstanding balances. Qualifying balance transfers must come from personal credit card and retail accounts only. Business transactions, business credit card accounts, and transfers from any HawaiiUSA FCU account do not qualify. Qualifying balance transfer amount cannot exceed the available credit on your HawaiiUSA FCU Visa Credit Card account. The Standard APR for your Credit Card Account will apply to all balance transfers that do not qualify for the Promotional APR. Minimum payments will be applied to balances at lower APRs before being applied to balances at higher APRs. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher APRs prior to balances with lower APRs. Offer may end at any time. Visa is not affiliated in any way with HawaiiUSA Federal Credit Union or this promotion. Visa is a registered trademark of Visa, Inc. in the United States and other countries.

**Standard Interest Rate for IEG cardholders