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Our Credit Cards are Designed for Your Needs


With the right credit card, you can improve your financial life by building credit, earning rewards and saving money. All five of our Visa® Credit Cards offer numerous benefits, including a low introductory rate of 2.99% APR*, NO Annual Fees, NO cash advance or balance transfer fees, and exclusive benefits like annual cashback for everyday purchases – at stores, online and even places that don’t accept cash or checks.

Whether you want to earn rewards, transfer balances or build your credit, our variety of credit cards keep you in mind.

Compare Your Visa® Credit Card Options Now

*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.