Visa Card Rewards

*Earn 5X the uChoose Reward Points at Home Supply Stores/Warehouses, Nurseries, and Lawn & Garden Supply Stores during the period of 4/1/2025 – 6/30/2025, when using your HRCU Platinum Rewards Credit Card or HRCU Business Rewards Credit Card. To be eligible for promotion, cardholders must activate the promotion on their uChoose Rewards home page. Activation can occur by accessing HRCU’s online banking, navigating to Card Management, and accessing the Rewards function. Promo activation will then occur on the cardholders uChoose Rewards homepage. Maximum bonus reward points earned during promotion period is 5,000 (five thousand). After maximum bonus points have been earned, purchases will continue to earn the standard rewards points of 1 (one) point per $1.00 spent. Home Supply Stores/Warehouse purchases include online and in store purchases at home improvement retail stores, and building supply stores (i.e. hardware, lumber, flooring, and paint stores). Purchases made through third parties such as contractors may not qualify. Nurseries, and Lawn & Garden Supply Store purchases include online and in store purchases at garden, lawn, and nursery supply stores. Purchases made through third parties or non-qualifying merchants may not qualify. Purchases must be made with merchants in the United States. To qualify for 5X the uChoose Reward Points, the purchase date must be on or before 6/30/2025. For online purchases, the transaction date from the merchant may not be the date of the purchase, but instead the date when the item ships. Qualifying merchants are determined by Merchant Category Code (MCC). Merchants and processors are assigned an MCC based on their standard products and services. HRCU is not responsible for assigning MCC codes to merchants and has no control over what MCC is assigned to a merchant. Transactions performed at merchants that are not assigned the following MCC codes are not eligible for promotional points: 5039, 5193, 5200, 5211, 5231, 5251, 5261, 5713, and 5992, and will instead earn the standard reward rate of 1 point per $1 spent. HRCU reserves the right to adjust or shut down this promotion at any time.

*uChoose Rewards Rate Buy Down is available to HRCU Visa Rewards Credit Card holders who have a new or existing fixed rate consumer auto loan or personal loan. The following loan types are not eligible for a rate buy down: Business Loans, Real Estate Loans, Personal Lines of Credit, and Credit Cards. Eligible Visa Rewards Credit Card holders may use their available uChoose Reward points to buy down the rate of their new or existing eligible consumer loan by a maximum of 0.25% during the life of the eligible loan. To qualify, the available uChoose Reward points balance must be equal to or greater than half (1/2) of the eligible loan balance. For example, an eligible loan with a rate of 5.99% and a balance of $30,000.00 would require 15,000 available uChoose Reward points to buy down the existing rate by 0.25%, making the new rate 5.74% for the remaining term of the loan. The uChoose Rewards Rate Buy Down program is not available on promotional loan rates. HRCU reserves the right to adjust or end this program at any time. For additional information, please contact HRCU at 877-895-6840.

Example: $30,000 loan will cost 15,000 points to buy down the rate by .25%.