The Hawaii Central Federal Credit Union is a personal credit card from Hawaii Central Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 12.40% APR to 18.00% APR variable after introductory term (rate effective as of February 2, 2026) after a 2.99% APR Introductory Fixed Rate introductory rate. Signup bonus: For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.. Rewards: Earn 1% cash back! Cash back will automatically be credited to your statement, monthly..