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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® Prime Lock

The rate is equal to the current Prime Rate, with no margin added.

Why choose an HFCU Visa® Prime Lock?

Key Features
The rate is equal to the current prime rate with no margin added.
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!

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

HFCU Visa® Prime Lock Benefits

Key Features
Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring MasterCard® credit cards
Prime Lock card available to highly qualified members
Credit Life and/or Credit Disability Insurance available for nominal fee

Rates Below Effective: March 1, 2017

Visa® Prime Lock

Type APR – Variable Rate as low as
Visa® Prime Lock 3.75%

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