Build credit

Make on-time payments to create a history of responsible use

Earn dividends on your savings

Your savings is used as collateral for your credit card, but continues to earn interest

No annual fee

One less thing to worry about

Activate card controls for security

Lock, unlock, and monitor your card using our mobile app

Build credit with a secured, low interest Visa® credit card.

Establish financial wellness with HawaiiUSA Federal Credit Union's Secured Credit Card

  • Ideal for those with no credit history or low credit scores who've been denied credit cards in the past
  • Uses your Savings Account balance as collateral
  • Low APR*
  • Make purchases in-person and online
  • Connect to your Mobile Wallet for contactless payments
  • Make payments and manage your account through Digital Banking and the HawaiiUSA mobile app
  • No prepayment penalty
  • No balance transfer fees
  • Read the Guide to Benefits

Take the next step

We make it easy to apply for this credit card, or check on your application status.

Frequently asked questions

To increase your mortgage pre-approval amount, you can take the following steps:
1.    Improve your credit score: Pay bills on time, reduce outstanding debt, and correct any errors on your credit report to boost your creditworthiness.
2.    Increase your income: Seek opportunities to enhance your earnings, such as working overtime, taking on a second job, or pursuing career advancement.
3.    Save for a larger down payment: A larger down payment reduces the loan amount, increasing your chances of a higher pre-approval amount. Save diligently and consider alternative sources, such as gift funds or down payment assistance programs.
4.    Reduce existing debt: Pay off outstanding loans or credit card balances to lower your debt-to-income ratio, which can improve your borrowing capacity.
5.    Consider a co-borrower: Adding a co-borrower with a strong credit history and income can boost your pre-approval amount by combining both applicants' qualifications.

The specific impact of these actions on your pre-approval amount may vary depending on your individual circumstances and lender requirements. Consult with a Mortgage Loan Officer to receive personalized guidance.

Manage debit and credit card settings in Digital Banking or the Mobile Banking app. You can block or unblock debit or credit card transactions from going through for that card, or create travel notices.

  1. Go to the “Financial Tools” tab and click “Credit & Debit Card Controls”
  2. Select your desired card
  3. Click block or unblock to control transactions, or click the dropdown for Travel Notices, where you can enter the start/end date of travel along with your domestic or international destination (Note: to list multiple locations, please separate using a comma. For a credit card, you are NOT able to enter more than one travel note at a time.
  4. Save settings

Credit Card Resources


APR=Annual Percentage Rate. Secured Credit Card also known as HawaiiUSA Platinum Visa. Upon approval, your APR will be set forth in the notice informing you of your approval. Should you choose not to accept the APR that applies to your Account, you may cancel your application prior to using the Account. Must meet HawaiiUSA FCU membership and lending guidelines.

Access our Secured Credit Card Disclosure and the Visa® Guide to Benefits for additional information.