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Build Better Credit With a Better Credit Card


Credit cards may seem like another tool to help you make purchases, but they can be much more. When used responsibly, credit cards can help you build good credit history that can benefit you in the future. Good credit can help you negotiate lower interest rates on future loans, aide in approval for an apartment or cell phone, avoid costly utility deposits, help get lower insurance premiums, and let’s not forget…good credit gives you bragging rights.

A credit card may look like a debit card. However, instead of having funds removed directly from your checking account when you make a purchase, you’ll essentially take on a short-term loan from HFCU.

Whether you’re looking for low interest rates, cash back, or rewards on everyday purchases, we’ve got a card for you.

Enjoy a low introductory credit card rate of 2.99% APR* for six months. Plus there’s no rate increase for late payments, zero liability for any unauthorized transactions, and no fees for a cash advance or balance transfers.

Ready for a better credit card?

Apply for Your HFCU Credit Card Today!

*APR is Annual Percentage Rate. Certain limitations, exceptions, and restrictions apply. The introductory rate is valid for six months. After the six months introductory period, the rate you receive will be variable, based on your credit history at the time of application; not to exceed 18% APR. The Variable Rate is based on an index, which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly. Any change in the Index will be effective the first day of the first billing cycle immediately following the date of the change The Wall Street Journal Prime Rate as of March 15, 2020: 3.25% APR. The introductory rate is only available for new HFCU cardholders. Rates are subject to change without notice. Additional details are available on or by speaking to a member service representative when you become a cardholder.