Purchase APR
7–17.50%
Annual fee
None
Foreign fee
1%
0% transfers · 18 mo
720+
Carrying $3k for a year ≈ $315
← Back to explorer
72
Purchase APR
11–17.50%
Annual fee
None
0% intro
None
0% transfer
18 mo
Foreign fee
1%
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 4 filed docsDetected in the CFPB-filed cardholder agreements from Maui County Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
17.50%
≤619
17.50%
620–719
17.50%
720+
14.50%
Lowest offered11%
Median14.50%
Highest offered17.50%
Balance transfer APR
Promotional window: 18 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
No score
17.50%
≤619
17.50%
620–719
17.50%
720+
14.50%
Lowest offered11%
Median—
Highest offered17.50%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 3% or $5
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Item$20
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesHI
Membership requirementsYes
RequirementOther. Please Describe:
Phone8666062564
Balance transfer calculator
Stay put — 18 mo at 24%$900
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$750
Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.50% afterwards.
Cost to carry a balance
Interest for a year at 14.50%$435.00
Annual / periodic fees$0
Total yearly cost$435.00
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
4 documents filed by Maui County Federal Credit Union in the 2026 Q1 archive.
More from this issuer
Purchase APR
17.50%
Annual fee
None
Foreign fee
1%
SecuredNo score≤619
Carrying $3k for a year ≈ $525
Purchase APR
11.50–17.99%
Annual fee
None
Foreign fee
1%
No score≤619Cashback
Carrying $3k for a year ≈ $435
Purchase APR
10.49–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $435