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Dump Your High-Interest Rate Credit Card!


And Fall in Love With an HFCU Credit Card.

Whether you’re interested in earning cash back, looking to build your credit, or simply want fewer fees, choose a credit card that you can count on from one of our five-card options designed to help save money, and perhaps even your relationship on Valentine’s Day.

Visa® Platinum Advantage comes with a low-interest rate that is very affordable for our members.

Visa® Platinum Rewards includes a fantastic rewards program with 1.50% cash back rewards on qualifying purchases.

Visa® Prime Lock is equal to the current Prime Rate without any added margins. There is a $50 annual fee for Visa Prime Lock Card and additional qualifications may apply.

Visa® Secured can help if you’re experiencing some credit challenges such as little or no credit or paying a high-interest rate. With a credit line up to $2,500, that’s secured by the money you deposit in your share account, you can begin to build your credit history.

Visa® Platinum Family is an ideal solution for families to help teach financial responsibility. Family members as young as 13 receive their own family card, while the primary cardholder has control over credit limits, and everyone shares one line of credit.

Upon approval, you’ll have a low introductory rate of 2.99% APR*, NO Annual Fees, NO cash advance fees, and NO balance transfer fees with every card option!

Apply for Your Visa® 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 since March 15, 2020 is 3.25% APR. The introductory rate is only available for new HFCU cardholders. Rates are subject to change without notice. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Additional details are available on or by speaking to a member service representative when you become a cardholder.