The Kauaʻi Federal Credit Union is a personal credit card from Kauaʻi Federal Credit Union. The annual fee is No annual fee. The ongoing APR is Rates are 9.99% APR – 14.99% APR (rates are based on credit worthiness). Rewards: Kauaʻi FCU Rewards: $1 spent = 1 point earned; redeem for digital and physical gift cards, cash back and statement credits, local experiences and special offers, everyday merchandise and household items.