*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 July 27, 2022, 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.
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
Already applied for your card online? Click here to check the status now!
Redeeming uChoose Rewards Points
- Low rates
- No annual fee
- Low monthly payments
- Security & fraud protection with Better Card Controls
- Compatible with Apple Pay®, Samsung Pay® and Google Pay™
Credit Cards
| Type | Annual Percentage Rate (APR) As Low As | Monthly Payment/$1,000 | |
|---|---|---|---|
| VISA® Platinum | 10.99% | $25.00 | Apply Now |
| VISA® Platinum Rewards (Rewards Program Applies)* | 11.99% | $25.00 | Apply Now |
| VISA® Platinum for Students (Student Rewards Program Applies) | 15.00% | $25.00 | Apply Now |
| VISA® Balance Transfer (No Balance Transfer Fee) | 4.99% | $25.00 | Apply Now |
| VISA® Platinum Business (No Balance Transfer Fee) | 11.50% | $25.00 | How To Apply |
Rates & Fees Credit Card Agreement
* APR = Annual Percentage Rate
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