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Visa Credit Cards

*Only purchases made between 10/9/2020 and 12/31/2020 will have five times the standard uChoose Rewards points applied to them, all other purchases will have Rewards applied at standard nonpromotional rate.
**Contest is open from 10/9/20 to 12/31/20. Must meet all promotional requirements to be entered to win $500 Amazon e-card. Entry to contest for $500 Amazon e-card is for those who make purchases on their Visa Platinum (Non-Rewards) card during the contest period only. HRCU reserves the right to adjust or shut down the contest at any time. Winner will be selected by 5 PM EST on 1/4/21 and called or emailed. Winner has one day to respond. If winner does not respond within one day, prize will be forfeited and a new winner selected. By entering the contest, you are authorizing HRCU to use your name in publications, including but not limited to HRCU’s social media accounts and website. HRCU employees, family and volunteers are not eligible to enter the contest. Winner will be emailed the gift card. Winner is responsible for any taxes associated with the prize. Entrant agrees to hold HRCU harmless. Contest is in no way sponsored or endorsed by Amazon.

Card Options

Whether you're looking to have increased spending power or a dependable financial lifeline in case surprise expenses come up, we have options for you to choose from:

  • Visa® Platinum
  • Visa® Platinum Rewards with UChoose Rewards® (see video below)
  • Visa® Platinum for Students

Apply Now

Already applied for your card online? Click here to check the status now!

  • Redeeming uChoose Rewards Points video

    Redeeming uChoose Rewards Points

uChoose Rewards FAQs

Benefits
  • Low rates
  • Low monthly payments
  • Instant Issue- leave the branch with your card the same day
  • Compatible with Apple Pay®, Samsung Pay® and Google Pay™

 

Rates

Credit Cards

Credit Cards

TypeAnnual Percentage Rate (APR) As Low AsMonthly Payment/$1,000
VISA® Platinum8.74%$25.00Apply Now
VISA® Platinum Rewards
(Rewards Program Applies)*		9.74%$25.00Apply Now
VISA® Platinum for Students
(Student Rewards Program Applies)		12.90%$25.00Apply Now

Rates & Fees             Credit Card Agreement   

* APR = Annual Percentage Rate

Balance Transfers

Balance your way to less interest with a Visa® Balance Transfer!

Benefits
  • 4.99% APR* on all Balance Transfers for 12 months
  • No balance transfer fee
  • No requirement to pay back extra interest accrued over the 12 month promotional period

 

*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 10.99% to 15.00%, based on your creditworthiness. Variable APR based on the Prime Rate as of December 20, 2018, plus 5.49%. 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.

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Online & Mobile Banking

Access your funds or make your Visa® payment with our safe and secure remote banking services anywhere, anytime.

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