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When you compare our incredible low rates and lucrative rewards program to other credit cards, you’ll immediately see how much you’ll save with our credit cards.

IF YOU ARE TRAVELING TO A FOREIGN COUNTRY AND INTEND TO USE YOUR HFCU CARD, PLEASE NOTIFY US AT 281-243-0500.

Credit Cards

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Visa® Platinum Rewards

Our Visa® Platinum Rewards card comes with a fantastic rewards program that has a cash back feature that rewards you for every purchase you make, up to 1% on your annual level of retail purchases. Plus, you’ll get a super low introductory rate of just 2.99% APR for the first six months!

Why choose a Visa from HFCU?

Key Features
No Annual Fee
Rates as low as 6.74% APR
No balance transfer fees
No cash advance fees
No rate increases for late payments
No interest on purchases if entire balance is paid within 25-day grace period (Except cash advance – interest accrues from posting date)
And, zero liability for any unauthorized transactions!

HFCU Visa Benefits

Key Features
Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring Visa credit cards
Super low rates
Credit Life and/or Credit Disability Insurance available for nominal fee

Plus, Earn Cash Back On Purchases!

Cash back value on net annual retail purchases, based on tiered levels:

Amount of purchases Cash back value on net annual retail purchases*
$1.00 – 3,499.99 .5% cash back
$3,500.00 – 4,999.99 .75 cash back
$5,000.00+ 1% cash back

Rates Below Effective: February 1, 2017

Visa® Platinum Rewards

Type APR – Variable Rate as low as
Visa® Platinum Rewards 6.74%

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APR = Annual Percentage Rate.
Rates are subject to change monthly.

The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.

After Hours Phone Numbers for Declined Credit Card and Debit Card Transactions

If it is after normal Credit Union hours and one of your credit card transactions or debit card transactions (where you selected the credit option instead of using your PIN on your debit card) was declined, you can now call one of the following phone numbers for assistance:

Toll-free: 1.888.526.0404
Collect: 1.206.352.4954

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