Visa Credit Cards

VISA Credit Card Agreement             VISA Application & Disclosure        

*APR = Annual Percentage Rate. Excludes all business VISA cards. Eligibility and non-promotional rates determined by credit qualifications. No minimum transfer balance required. Promotional interest rate period begins from date of transfer initiation for a period of 12 months. After that, the variable APR for the remaining balance of qualified transfers will be 13.49% to 21.99%, based on your creditworthiness. Variable APR based on the Prime Rate of 7.75% as of 11/7/2024. If you fail to make the required payments any time during the promotional period and your account becomes delinquent by 60 days or more, you shall be disqualified from the remainder of the promotional period and your APR will revert to the regular variable periodic rate at the date of delinquency. Balance transfers from existing HRCU loans are not eligible.

*Promotional Balance Transfer rate available to HRCU Visa Credit Cards opened on or after 11/18/2024. The offer is valid for 60 days from the date of opening. To qualify for balance transfer promotion rate, must have a minimum credit score of 700. The promotional rate will be effective for 18 months. At the end of the 18 months, the rate will be adjusted to cardholders purchase plan rate at that time. Balance transferred is subject to a 3% fee of the total balance or $25.00, whichever is greater. Total balance transfer fee will be applied to the credit card balance. HRCU reserves the right to adjust or terminate this promotion at any time.

**New cardholder bonus uChoose rewards points is available to new HRCU Visa Rewards Credit Cards opened on or after 11/18/2024. The offer is valid for 60 days from the date of opening. To qualify for the 25,000 bonus uChoose rewards points, cardholder must accumulate a minimum of $2,000.00 in qualified purchases during the first 60 days of the credit card being opened. Day 1 is equal to the day the credit card loan is opened. Qualified purchases include point of sale purchases and online purchases. Balance Transfers, Cash Advances, and ATM Advances are not qualifying purchases. Bonus uChoose points will automatically be added to reward point balance within 60 days of the minimum purchase amount being met. HRCU reserves the right to adjust or terminate this promotion at any time.