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*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.
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®
- Visa® Platinum for Students
- 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™
Credit Cards
| Type | Annual Percentage Rate (APR) As Low As | Monthly Payment/$1,000 |
|---|---|---|
| VISA® Platinum | 10.24% | $25.00 |
| VISA® Platinum Rewards (Rewards Program Applies)* | 11.25% | $25.00 |
| VISA® Platinum for Students (Student Rewards Program Applies) | 14.40% | $25.00 |
Rates & Fees Credit Card Agreement
* APR = Annual Percentage Rate
