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

Apply for a Credit Card

Visa® Advantage Secured

Visa® Advantage Secured can help you if you’re experiencing some credit challenges such as little or no credit history! With a credit line up to $2,500* that’s secured by the money you deposit in your share account; you can begin building your credit history.

2.99% APR introductory rate for the first six months
No Annual Fee
No balance transfer fees
No cash advance fees
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.
Credit Life and Disability Insurance Protection available for a nominal fee
Cash Advances available at credit unions, banks, hotel, ATMs, etc. honoring Visa® Cards
Responsible financial management may qualify you for unsecured Visa® Credit Cards

Rates Below Effective: October 1, 2019

Visa® Secured

Type APR – Variable Rate as low as
Visa® Advantage Secured 6.99%

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. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder. The Advantage Secured Credit Card will remain secured until that member qualifies for an unsecured credit card. *The pledge amount for securing the secured credit card is the amount of the limit plus 10% over the limit requested..

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