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.


Credit Cards

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Visa® Prime Lock

Visa® Prime Lock is equal to the current Prime Rate, without added margins.

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.

There is a $50 annual fee with the Visa® Prime Lock.

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: November 1, 2019

Visa® Prime Lock

Type APR – Variable Rate as low as
Visa® Prime Lock 4.75%

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

Verified by Visa

Activate Your New Visa

You can also detach your payment slip, and submit your credit card payments to the following address:

P.O. BOX 19609
Sugar Land, TX 77496