HFS Visa Signature®

Earn Rewards on Every Purchase with the HFS Visa Signature®

Apply online in minutes and start earning rewards right away. Experience financial freedom with premium benefits.

Apply Now

Introductory Balance Transfer Offer

Take advantage of our limited time 1.99% Introductory APR for 12 months on balance transfers made in the first 90 days of account opening. After the intro period ends, interest rates will be the standard rate at the time.* Simply call the number on the back of your new card to transfer a balance!

Bonus Rewards Offer

Want to kick start your point earnings with $300 cash back? Earn 30,000 CURewards® points when you make $3,000 in purchases in the first 90 days of account opening! **

Benefits That Matter

Experience a card designed to fit your lifestyle with premium perks and security.

Start Earning Rewards

No Annual Fees
Earn Rewards
Travel Protection
Fraud Monitoring

What Our Members Say

Service at HFS is always very good. Workers are kind, helpful, and knowledgeable, on the phone or in person. In the past when I’ve had problems, an employee has always worked closely with me to address the issues. Opening an account is very cheap, and you can purchase movie tickets at discounted prices too. Notary services are offered free of charge to members too. Membership is open to anyone who lives, works or worships on the Big Island. I wouldn’t bank anywhere else because the service and the offers are great.

Friendly service and always ready to help

Very good service, quick, easy and personalized to help your situation.

What to Expect

Getting started is simple. We've streamlined the process so you can focus on what matters most.

1
Apply online in minutes

Fill out our secure, simple application form. No hidden fees or lengthy paperwork required.
2
Receive a fast decision

Our automated system reviews your application instantly so you don't have to wait.
3
Start earning rewards

Get immediate access to your virtual card and start earning points on every purchase.

Frequently Asked Questions

We believe in transparency. Here are answers to common questions to help you feel confident in your decision.

Typically, it takes just a few minutes to complete your application. We’ve streamlined the process to ask only for essential information so you can get back to your day.
Checking your eligibility won’t affect your credit score. We perform a ‘soft pull’ to determine your options, which is invisible to lenders until you officially accept an offer.
Your credit limit is based on your creditworthiness at the time of application. We look at factors like your income and credit history to provide a limit that works for your financial situation.
You can start using your card as soon as it’s activated upon approval. In many cases, we provide an instant virtual card number so you can make online purchases immediately while waiting for your physical card.

Ready to upgrade your wallet?

Join thousands of cardholders enjoying premium benefits and rewards with the HFS Visa Signature®.

Rewards Everywhere

Enjoy rewards on every purchase you make, anywhere Visa is accepted.

Zero Fees

No annual fees and no foreign transaction fees on your purchases.

Fast Application

Fast and secure online application with instant processing.