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Credit Cards |
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 The world's best way to pay!
Apply today for either our Classic or Platinum Preferred VISA® Credit Card and save money now. It is true. Have you checked your mailbox lately? Most of us get two to three cards in the mail telling us how low their interest rate is. The truth is most of these are introductory offers and variable interest rates. A Holy Rosary Credit Union VISA® Card has no gimmicks and no teaser rates. Our card can save you hundreds of dollars a year because we offer one low fixed rate, with no hidden fees, penalties and a 25 day grace period. Plus you can enjoy our Scorecard Rewards program with our VISA® Platinum card. For every net dollar you spend, you earn Bonus Points that can be exchanged for fabulous travel and brand-name merchandise. Check out www.scorecardrewards.com for more information.
PLEASE NOTE: Using your debit/credit card internationally
For security purposes HRCU debit and credit cards will no longer automatically work outside of the United States. This includes Canada and Mexico. If you are traveling outside of the United States, simply let us know and your card will be authorized to make transactions. Please let us know if you have any questions or concerns regarding this policy.
Effective Date: 3/12/10
Loan Type |
Rates* |
| Unsecured Loans |
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| Personal Loan Unsecured |
8.49%* |
| Share Secured Loan |
Current Share Rate + 3.00%* |
| Share Certificate Secured Loan |
Current Share Certificate
Rate + 3.00%* |
| Visa ® Classic Credit Card |
11.90%* |
| Visa® Platinum Credit Card |
9.90%* |
| Smart Start Unsecured Credit Card -1st Credit Card |
12.90%* |
APPLY ON-LINE NOW! - click here
Variable Interest Rate: NO
HRCU’s rate is a FIXED 9.9% APR |
Variable Interest Rate: YES
Rate changes monthly |
| Higher Rate for Cash Advances: NO |
Higher Rate for Cash Advances: YES |
| Cash Advance Fee: NO |
Cash Advance Fee: YES
often up to $50.00 |
| ATM Fee: NO |
ATM Fee: YES
often up to $50.00 |
| Balance Transfer Fee: NO |
Balance Transfer Fee: YES
a percentage of the transfer |
| Convenience Check Fee: NO |
Convenience Check Fee: YES
a percentage of the transfer |
Confusing "Rewards" Programs: NO
Simple Scorecard® Program with Various Choices Including a "Universal" Ticket |
Confusing "Rewards" Programs: YES
Airline Points with Blackout Dates and Limited Options |
Pay your VISA® Card automatically!
Click here to make a payment on-line.
 VISA® has developed a new online security feature called Verified by VISA® that works with existing VISA® cards. With Verified by VISA®, consumers can rest assured that using their VISA® cards on the Web is just as safe as using it at a local merchant around the corner. Additionally, participating merchants receive added protection from fraudulent chargeback activity. To learn more about Verified by VISA® check www.visa.com/verified.
For Customer Service with your VISA® Classic or VISA® Platinum card, please contact us at (603)332-6840, or contact Customer Service at (800) 843-5463.
 Apply for a loan anytime, 24 hours a day.
Just call Phone-A-Loan at (603) 330-0005 or toll free at
(888) 270-6959 and talk to a real live person.
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| Find out how our special variable rate loan can work for you. Click here |
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