Purchase APR
7–17.50%
Annual fee
None
Foreign fee
1%
0% transfers · 18 mo
720+
Carrying $3k for a year ≈ $315
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50
Visa Secured
Maui County Federal Credit Union
Secured cardOne State/TerritoryFixed rateNo credit scoreCredit score 619 or less
Purchase APR
17.50%
Annual fee
None
0% intro
None
0% transfer
None
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
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.50%
Median17.50%
Highest offered17.50%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered17.50%
Median17.50%
Highest offered17.50%
Every fee on this card
Annual feeNone
Balance transfer feeNone
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
None reported
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
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 17.50%$525
Annual / periodic fees$0
Total yearly cost$525
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
11–17.50%
Annual fee
None
Foreign fee
1%
0% transfers · 18 mo
720+Cashback
Carrying $3k for a year ≈ $435
Purchase APR
11.99–18%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $539.70
Purchase APR
17.74–17.99%
Annual fee
None
Foreign fee
2%
≤619620–719Cashback
Carrying $3k for a year ≈ $539.70