Whether you're checking off your gift list, planning a winter escape, or just need a little financial boost to sleigh the season, our Holiday Loan Special is here to help you spend smarter—not harder.
✅ Rates as low as 6.50% APR*
✅ Choose 12 or 24-month terms
✅ Borrow between $1,000 and $5,000
✅ No payments for 60 days**
✅ Available November 1 – December 31, 2025
No wrapping required—just apply and enjoy a little extra jingle in your wallet this holiday season!
*Annual Percentage Rate (APR) disclosed for this special is the lowest rate available for a 12 or 24-month term.
**Interest will accrue during the 60-day deferred payment period. First payment may be due up to 60 days from the date of loan disbursal and will be applied to the accrued interest before being applied to principal. For this Special, the minimum loan amount is $1,000. At 6.50% APR for a 12-month term with no payment due for the first 60 days, the monthly payment for a $1,000 loan would be $86.75 or for a $5,000 loan would be $433.73. At 6.50% APR for a 24-month term with no payment due for the first 60 days, the monthly payment for a $1,000 loan would be $44.78 or for a $5,000 loan would be $223.89. Maximum personal loan amount is $5,000. No refinancing of existing Lōkahi FCU (formerly Hickam FCU) personal loans for this promotional rate. Automatic Payment through a Lōkahi FCU Savings or Checking Account is required for this promotional rate. Higher rates may apply depending on loan term, member's credit performance, and/or the cancellation of automatic payment. Other rates and terms available. All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates are subject to change without notice. Lōkahi FCU membership required. Offer effective 11/1/2025 thru 12/31/2025.
Give your wallet the gift it really wants this season—0.00% APR for 6 months on transferred balances! Starting November 1, 2025, all Lōkahi FCU credit cardholders—new and existing—can can sleigh high-interest debt with no balance transfer fees, no annual fees, and absolutely no gimmicks. Just real savings wrapped in holiday cheer.
✅ 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)
No worries—there’s still time to get on the nice list! With 0.00% APR for 6 months on balance transfers, no fees, and easy digital tools to manage your card, applying now is a smart move toward saving more and sleighing your finances.
Whether you're consolidating holiday debt or just want a card that works harder than Santa’s elves, Lōkahi FCU has options to fit your needs—and your wishlist.
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.
| 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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0.00% promotional 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 promotional 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)
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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.
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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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