Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $28 |
| Cash advance fee | None |
| Balance transfer fee | None |
| Grace period | 25 days |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
The Combined Credit Card AgreementMAR2017 CARD EFF20221208 filing from Hawaii State Federal Credit Union sets out no annual fee.
What this filing discloses
Hawaii State Federal Credit Union submitted the terms for Combined Credit Card AgreementMAR2017 CARD EFF20221208 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs 14 pages.
The disclosure covers an annual fee line, a late payment maximum and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.
The grace period
The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.
The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.
Default pricing
Late payments are capped at $28 under this filing, about the 46th percentile of late fee maximums in the corpus.
Where the fees are
No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.
How it sits in the issuer's own range
There are 5 filings from Hawaii State Federal Credit Union in this index. Their disclosed purchase rates run from 14.9% to 18%, though this particular filing does not state one in comparable form.
What you cannot learn from the filing
Absent from the captured terms: a purchase rate, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
The document itself
The original filing, 14 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.
In short
Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement Hawaii State Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Hawaii State Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Hawaii State Federal Credit Union
-
All Cards Credit Card Agreement & Disclosure
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
-
Combined Credit Card Agreement MAR2017 CARD Qtr Ending September 30 2022 eff20220808
Agreement filed with the CFPB
- Purchase APR
- 12.9%–14.9%
- Annual fee
- $0
-
Credit Agmt Disclosure
Agreement filed with the CFPB
- Purchase APR
- 15.4%–17.4%
- Annual fee
- $0
- Intro APR
- 0%
-
Platinum Rewards Credit Card Agreement & Disclosure
Agreement filed with the CFPB
- Purchase APR
- 14.65%–18%
- Annual fee
- $0
- Intro APR
- 0%
- Foreign tx fee
- None
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.