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Please review the terms below for a VISA® Credit Card. Select “I Accept” to proceed to the Online Loan Application or “Decline” to be directed back to the Hickam FCU Home Page.
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for purchases |
VISA Classic: 11.9%
(0.9917% Monthly Periodic Rate)
VISA Gold: 9.9%
(0.8250% Monthly Periodic Rate)
VISA Platinum: 7.9%
(0.6583% Monthly Periodic Rate) |
| APR for Balance Transfers |
VISA Classic: 11.9%
VISA Gold: 9.9%
VISA Platinum: 7.9% |
| APR for Cash Advances |
VISA Classic: 11.9%
VISA Gold: 9.9%
VISA Platinum: 7.9% |
| How to avoid paying interest on purchases |
No finance charges are assessed on current purchases if the balance is paid in full within 25 days after the close of each billing cycle. |
| For credit card tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. |
| Fees |
| Annual fees |
None |
| Minimum finance charge |
None |
| Transaction fee |
None |
| Late-payment fee: |
5% of the monthly payment amount due up to a maximum of $25.00 |
| Over-the-credit-limit fee: |
Amount over-the-limit up to a maximum of $15.00 |
| Cash Advance fee: |
None |
| Balance transfer fee: |
None |
How We Calculate Your Balance: We use the method called "Average Daily Balance (including new purchases)."
The above information about Hickam FCU’s credit cards is accurate as of December 1, 2010 and may change after that date. For the most current information, card features and other restrictions, limitations and exclusions call or write to: Hickam FCU, P.O. Box 30025, Honolulu, Hawaii 96820, (808) 423-1391 or Toll Free (800) 432-4328.
New York: New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing of credit card rates, fees, and grace periods.
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