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Credit Card Disclosures

Credit Card Disclosure

Hickam FCU Credit Card Disclosure

Please review the terms for a Hickam FCU Credit Card. Select the blue “I Accept” button to proceed to the Online Loan Application or the blue “Decline” button to be directed back to the Hickam FCU Home Page.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for PurchasesClassic Mastercard®: 11.90%
(0.9917% Monthly Periodic Rate)

Gold Mastercard®: 9.90%
(0.8250% Monthly Periodic Rate)

Platinum Mastercard®: 7.90%
(0.6583% Monthly Periodic Rate)
APR for Balance TransfersClassic Mastercard: 11.90%

Gold Mastercard: 9.90%

Platinum Mastercard: 7.90%
APR for Cash AdvancesClassic Mastercard: 11.90%

Gold Mastercard: 9.90%

Platinum Mastercard: 7.90%
How to Avoid Paying Interest on PurchasesYour 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.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Fee DescriptionCost
Annual FeeNone
Balance Transfer FeeNone
Cash Advance FeeNone
Foreign Transaction FeeNone
Late-payment FeeUp 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 Payment FeeUp to $25.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee$25.00 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).

Interest and Finance Charges:
Interest will be charged on purchases on the date the transaction is posted to Account, or for cash advances and balance transfers on the date of the transaction or the first day of the billing cycle in which the transaction is posted to Account, whichever is the later transaction date. To avoid Finance Charges on the balance of purchases, you must pay the entire new balance on the billing statement by the Payment Due Date of that statement.

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 Hickam FCU’s credit cards is accurate as of August 1, 2015 and may change after that date. For the most current information, card features and other restrictions, limitations and exclusions call or write to: Hickam 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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