Transfer at 0.00% APR for 6 Months!

Resolutions Are Hard. Saving Isn't.

New year, new goals, and a smarter way to handle those holiday splurges! If simplifying your finances or kicking high-interest debt to the curb is on your resolution list, we have you covered. Through March 1, 2026, all Lōkahi FCU credit cardholders, new and existing, can transfer balances to any of our credit cards and enjoy 0.00% APR for 6 months. No balance transfer fees. No annual fees. Just a smarter way to pay down debt.

✅ 0.00% APR for 6 months on transferred balances
✅ No balance transfer fees
✅ Available to all Lōkahi FCU credit cardholders
✅ Offer ends March 1, 2026 (transfers must post by this date)

Already Have Our Card? Transferring Your Balance is Easier Than Ever!

Transferring your balances to your Lōkahi FCU Mastercard^® Credit Card has never been easier thanks to the "Manage Card" feature in the Lōkahi FCU mobile app and in online banking.

Don’t Have a Lōkahi FCU Credit Card Yet?

Now’s the perfect time to get one. With 0.00% APR for 6 months on balance transfers, no fees, and easy digital tools to manage your card, applying is a smart move toward saving more and simplifying your finances.

Whether you're looking to consolidate debt or just want a card that works harder for you, Lōkahi FCU has options to fit your needs.

Pricing Information

INTEREST RATES AND CHARGES
Annual Percentage Rate (APR) for Purchases	Lōkahi FCU RATE Mastercard®: 9.90% (0.8250% Monthly Periodic Rate) Lōkahi FCU ACCESS Mastercard®: 16.90% (1.4083% Monthly Periodic Rate) Lōkahi FCU REWARDS Mastercard®: 13.90% (1.1583% Monthly Periodic Rate) Lōkahi FCU WORLD Mastercard®: 13.90% (1.1583% Monthly Periodic Rate)
APR for Balance Transfers	0.00% Introductory APR for 6 months from the date each qualifying balance transfer posts to your account. Balance transfers must post between November 1, 2025 and March 1, 2026 to qualify. After the introductory period, the standard Balance Transfer APR will apply: Lōkahi FCU RATE Mastercard®: 9.90% (0.8250% Monthly Periodic Rate) Lōkahi FCU ACCESS Mastercard®: 16.90% (1.4083% Monthly Periodic Rate) Lōkahi FCU REWARDS Mastercard®: 13.90% (1.1583% Monthly Periodic Rate) Lōkahi FCU WORLD Mastercard®: 13.90% (1.1583% Monthly Periodic Rate)
APR for Cash Advances	Lōkahi FCU RATE Mastercard®: 9.90% (0.8250% Monthly Periodic Rate) Lōkahi FCU ACCESS Mastercard®: 16.90% (1.4083% Monthly Periodic Rate) Lōkahi FCU REWARDS Mastercard®: 13.90% (1.1583% Monthly Periodic Rate) Lōkahi FCU WORLD Mastercard®: 13.90% (1.1583% Monthly Periodic Rate)
How to avoid paying interest on purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

Interest Rates and Fees Table

FEES
Annual Fee	None
Balance Transfer Fee	None
Cash Advance Fee	None
Foreign Transaction Fee	None
Late Payment Fee	Up to $25.00 or 5% of the amount of the required minimum payment, whichever is less, if you are 7 or more days late in making a payment.
Returned Convenience Check Fee	$25 or the amount of the returned convenience check, whichever is less.
Rush Fee	$25.00
Emergency Card Replacement Fee	$25.00
Card Replacement Fee	$10.00

How We Calculate Your Balance: Balance is calculated using the method called Average Daily Balance (including new purchases, balance transfers, and cash advances).

Repayment: For each billing period, the Minimum Payment Due must be paid by the Payment Due Date. The Minimum Payment Due is 2.00% of the total New Balance, or $25.00, whichever is greater, plus any amount past due and any amount that has exceeded the applicable credit limit. If the total New Balance is less than $25.00, then the Minimum Payment Due is the amount of the total New Balance.

The information provided about Lōkahi FCU’s credit cards is accurate as of September 1, 2025 and may change after that date. For the most current information, card features and other restrictions, limitations and exclusions call or write to: Lōkahi FCU, P.O. Box 30025, Honolulu, Hawaii 96820, (808) 423-1391 (Oahu only) or Toll Free (800) 432-4328 (Neighbor Island & Continental U. S.).

Additional Terms: For each balance transfer request, a $250 minimum applies. Other restrictions may apply. See full terms and conditions for details.

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.