Hawaii County Employee Federal Credit Union - VISA

VISA Credit Card with "TRAVEL ADVANTAGE" Program

HCEFCU's credit card program offers one of the most recognized and accepted credit cards at a very low interest rate of 9.00% APR (Share Secured) and 11.9% APR (Unsecured). The VISA Classic card affords members a line of credit and cash advance convenience at thousands of ATM's or other financial institutions that accept VISA cards. In addition, the Travel Advantage Program provides an array of cardholder benefits that include:

# Travel services, car rental discounts, hotel/motel discounts, traveler information records, travel rebates, emergency services.
# Registration services for credit cards, household inventories, and valuable documents.
# Collision Damage Waiver that covers members for collision damage when collision damage insurance is waived on car rentals.

VISA Credit Card Purchases earn ScoreCard® Rewards

Earn 1 point for every dollar spent. Points do not expire and there is no limit to points earned. Redeem points for:

    Cash and Check Rewards
    Gift Cards
    Dynamic Travel:
  • Variable Pricing - The ability to use points and cash on travel.
  • No Maximum Ticket Amount
  • No Advance Notice
  • No Saturday Stay Required
  • Other Awards - Hotels, Car Rentals, Cruises, Vacation Packages and Activities
Another attractive option with this program is the ability to "Household" points. "Householding" allows you to consolidate points from multiple Hawaii County Employee's FCU credit card accounts in your household.

VISA Debit Card that accesses your checking account

VISA Debit Card allows you to make purchases & cash advances from your checking account instead of a line of credit.

Automatic Payroll Deduction and Direct Deposit

Set up automatic payroll deduction to pay your loans and set aside savings each payday. Recurring payments such as Social Security, pension payments or payroll checks may be Direct Deposited to your designated accounts. This painless way of saving puts your money to work immediately... automatically!

Lost or Stolen VISA Credit Cards -- Call 1-800-808-7230


  • Member Cellular Discounts with Sprint
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

  • *Loan calculators do not guarantee extensions of credit and are available to you for your independent use and are not intended to provide investment advice. We do not guarantee their accuracy or applicability in regards to your individual circumstances. We recommend that you seek professional advice for all of your financial concerns.