Credit Cards
- Visa® Platinum Advantage
- Visa® Platinum Family
- Visa® Platinum Rewards
- Visa® Prime Lock
- Visa® Secured
- Credit Card Fraud and Foreign Transactions
- EMV Chip Cards
- Credit Card Resources
- Credit Card Overlimit Program
- Visa® Platinum Rewards Opt-In
Visa® Prime Lock
Visa® Prime Lock is equal to the current Prime Rate, without added margins.
| Features |
|---|
| 2.99% APR introductory rate for the first six months |
| The rate is equal to the current Prime Rate, without added margins. |
| No balance transfer fees |
| No cash advance fees |
| No rate increases for late payments |
| 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! |
| smsGuardian™ FREE text alert service* Sign up for smsGuardian Text Alert Service |
| Visa Checkout helps deter fraud through a retailers site. Sign up all your HFCU credit cards today! |
*The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones. You are responsible for any text messaging fees from your carrier, message and data rates may apply. This service is available for the following carriers listed at: https://www. cardguardian.com/CardGuardian/carriers.do.
There is a $50 annual fee with the Visa® Prime Lock.
| Benefits |
|---|
| Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring Visa® credit cards |
| Prime Lock card available to highly qualified members |
| Credit Life and Credit Disability Insurance Protection available for a nominal fee |
Rates Below Effective: July 1, 2018
Visa® Prime Lock
| Type | APR – Variable Rate as low as |
|---|---|
| Visa® Prime Lock | 5.00% |
View Credit Card Disclosure Information View Credit Card Agreement Information
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. The rate after the introductory period is based on the Prime Rate as set forth in The Wall Street Journal and may vary. 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