Looking for a credit card that fits your lifestyle and supports your financial goals? At Lōkahi Federal Credit Union, we offer four Mastercard® credit card options designed for every stage of your financial journey—whether you're building credit, maximizing rewards, or minimizing interest.
ID Theft Protection™: Monitor your credit file and personal information across the web for signs of fraud. Receive alerts for suspicious activity and get support from certified identity theft resolution specialists.1
Enrollment required. Provided by Iris® Powered by Generali.
Global Emergency Services: Get 24/7 support from Mastercard® anywhere in the world. Services include:
Priceless Experiences: Explore unforgettable moments in dining, travel, entertainment, and culture through Mastercard® Priceless
1Learn more about Mastercard Benefits for Credit Cardholders
Enjoy fast, secure, and contactless payments with your Lōkahi FCU Mastercard®—compatible with:
Add your card to your mobile wallet and pay in-store, online, or in-app—without ever reaching for your physical card.
Benefits of Digital Wallets:
Need help setting it up? Contact us or visit any branch for assistance.
Never miss a payment again. With Lōkahi FCU Autopay, you can schedule automatic payments from your checking account to your credit card—saving time and avoiding late fees.
Choose your payment method:
Set up Autopay:
Stay in control of your credit card with secure, 24/7 access via Lōkahi FCU Online Banking and the Lōkahi FCU Mobile App.
With our digital tools, you can:
Whether you're at home or traveling, managing your card is fast, easy, and secure.
Make the switch to eStatements and enjoy faster, safer, and more convenient access to your credit card statements.
Benefits of eStatements:
Sign up through Online Banking or the Lōkahi FCU Mobile App and help us make it better—together.
Turn everyday spending into exciting rewards with uChoose Rewards, available with your Reward Mastercard® and World Mastercard®.
With uChoose, you can:
Log in to online banking to view your Point Summary and start redeeming today.
| INTEREST RATES AND CHARGES | |
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*Annual Percentage Rate (APR) for Purchases
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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)
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APR for Balance Transfers
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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)
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APR for Cash Advances
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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)
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How to avoid paying interest on purchases
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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.
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For Credit Card Tips from the Consumer Financial Protection Bureau
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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.
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| 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.).
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.
Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.
Same friendly faces, now in the palm of your hand—download the Lōkahi Mobile App
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Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program
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Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.
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This program provides first time borrowers an opportunity to build their credit.
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