Pricing Supplement to the
Cardmember Agreement

The information provided below in this Pricing Supplement, along with the Cardmember Agreement(s) and the Addendum to the Cardmember Agreement (as applicable) reflects certain account pricing and terms that were available to certain applicants that applied for and were approved for certain credit card accounts on the last business day of the calendar quarter that ended on 6/30/2018.  These account terms may not be available after that date.

These documents are being provided to you for informational purposes only.  If you apply and are approved for a credit card account with us, your actual account terms will be based on the terms of the offer available at the time that you applied, what you are approved for and your actual Cardmember Agreement will be the agreement sent to you when your account is first opened.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

15.73% or 18.73%* APR.   This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

15.74% or 18.74%* APR.   This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

15.74% or 18.74%* APR.   This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 23 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest on balance transfers, checks and cash advances on the transaction date.

Minimum Interest Charge


For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

* Pursuant to Hawaii law, the APR on your account is capped at 18%. Even if the variable APR calculation results in a higher value, your APR is 18%.


Annual Fee


Transaction Fees:


  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater.  We may from time to time offer you lower Transaction Fees on Balance Transfers and Checks.

  • Cash  Advance

Either $10 or 4% of the amount of each cash advance, whichever is greater.

  • Foreign Transaction

2% of each transaction in U.S. dollars.

Penalty Fees:


  • Late Payment

Up to $25.

  • Returned Payment

Up to $25.

Additional Check Related Fees


  • Check Stop Payment Fee

Up to $25.

  • Returned Check Fee

Up to $25.


How We Will Calculate Your Balance:
We use a method called "daily balance (including new purchases)". See Credit Agreement for more details.

The Prime Rate was 5.00% as of the last business day of the quarter that ended 6/30/2018.