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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 video

    Redeeming uChoose Rewards Points

uChoose Rewards FAQs

  • 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

Credit Cards

TypeAnnual Percentage Rate (APR) As Low AsMonthly Payment/$1,000
VISA® Platinum10.99%$25.00Apply Now
VISA® Platinum Rewards
(Rewards Program Applies)*
11.99%$25.00Apply Now
VISA® Platinum for Students
(Student Rewards Program Applies)
15.00%$25.00Apply Now
VISA® Balance Transfer
(No Balance Transfer Fee)
4.99%$25.00Apply Now
VISA® Platinum Business
(No Balance Transfer Fee)
11.50%$25.00How To Apply

Rates & Fees             Credit Card Agreement   

* APR = Annual Percentage Rate

Apply NowCredit Cards

Balance Transfers

  • 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 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.

Online & Mobile Banking

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