Credit Card

Whatever you need from a credit card, we have one that fits.

Earn rewards on everyday purchases. Or lock in our lowest rate. Or start building your credit from scratch.

Get the flexibility you need and feel confident about your credit card

Everyone uses a credit card differently. Some people want to earn something back on every purchase. Others just want the lowest possible rate for when life throws a big expense their way. And some are building credit for the first time, or rebuilding it after a setback.

That's why Maui County FCU offers three different Visa credit cards instead of a one-size-fits-all product.

What do you like most in a credit card?

At Maui County FCU, you can choose from several options – earn rewards points with a cash-back option, go for our lowest interest rate or start building up your credit score.

Choose the card that matches how you use credit: Rewards, our lowest ongoing rate, or a credit-building Secured card.
Transfer a balance from another credit card at 0% APR for 18 months (3% transfer fee, $5 minimum), then pay it down before it reverts to your card's standard APR. See current rates.
Manage your card, set travel dates, and control alerts and notifications through online banking or the Maui County FCU mobile app for Apple or Google.
Add your card to Apple Pay, Google Pay, or Samsung Pay for contactless payments online and in stores.
Access cash through cash advances and ATMs.
Shop with confidence: Visa's Zero Liability policy means you're not responsible for unauthorized purchases.

Utilize your Maui County Federal Credit Union Visa debit and credit cards to its fullest extent with cashback rewards, local 24/7 support, and more.

Visa Rewards

Earn rewards points every time you make a purchase, then redeem them for gift cards, plane tickets, merchandise, cash back, and more through the rewards portal. Best for members who want to get something back on everyday spending. See current rates for APR.

Visa Platinum

Get Maui County FCU's lowest ongoing interest rate on a credit card, which keeps your interest costs down on purchases and balances you carry. Best for members who prioritize a low rate over rewards. See current rates for APR.

Visa Secured

Get a credit card secured by funds in your Maui County FCU savings account, built for members opening their first credit card or rebuilding their credit. You get real purchasing flexibility at a fair rate, and on-time payments can help build your credit score toward qualifying for one of our other Visa cards down the road. See current rates for APR.

Credit Card FAQs

Is there an annual fee?

No. None of Maui County FCU's three Visa credit cards charge an annual fee.

What's the difference between the three cards?

Visa Platinum Rewards — earn points on every purchase, redeemable for gift cards, travel, merchandise, or cash back.
Visa Platinum — no rewards program, but carries Maui County FCU's lowest ongoing APR.
Visa Platinum Secured — credit line secured by your Maui County FCU savings account balance; designed to build or rebuild credit.

How many points do I earn with the Rewards card?

You earn 1 point per $1 spent on every purchase.

Resources for Managing Your Money

Helpful resources, financial education, calculators, and guidance to help you save smarter and handling your finances with confidence.

Financial Education

Car Buying Tips

Learn the ins-and-outs of buying and financing a car.

Personal Loan Calculator

See how much you will need to contribute monthly to pay off your loan.

Fraud Prevention

Learn how to keep your accounts and information secure.

Money Management

Bank smarter with convenient digital tools and features.

Loan Rates

View current rates for loan products.