*APR = Annual Percentage Rate. The current Kauai FCU Visa® Rewards credit card APR ranges from 9.99%–14.99%, based on creditworthiness. APR is fixed and will revert to cardholder’s APR once promotional rate concludes. 0.00% introductory APR applies to qualifying balance transfers posted between 02/01/26 and 02/28/26. The promotional APR will remain in effect for six months, after which the APR will revert to the cardholder’s standard fixed APR. No balance transfer fee applies to qualifying promotional balance transfers. Foreign transaction fee: 3%. No annual fee, no cash advance fee. Rates, terms, and conditions are subject to change. All credit subject to approval.