We all have to start somewhere, right?  And, there are few things more important than building a good credit history and learning the responsible use of credit early in life. 

That’s why we are here for our young adult members who are ready to become first time credit card users.  Heritage Federal Credit Union’s FirstTime Visa credit card is designed specifically for college students and first time borrowers who have not yet established a credit history. 

Here are some of the advantages we offer:

• 14.4% APR*
• Offers Point2Point Rewards
• No Annual Fee
• 25-day grace period
• ATM access for cash advances
• Initial Credit limits of $500
  • credit limit will increase to $1,000 after
    6-months of current payments
  • credit limit will increase to $1,500 after
    1-year of current payments
• Money back for timely payments**

Applying for a FirstTime Visa credit card is fast and easy—simply complete our online application or visit any of our seven convenient locations in Vanderburgh and Warrick counties.

Check out our other FirstTime products:  FirstTime Auto, FirstTime Homebuyer, FirstTime Checking

*If payment is late twice in a 12-month period, APR will adjust to 18% on all balances and purchases for one year.

**1% paid interest rebate will be paid to the member by check after six-months of current payments. An additional 1% paid interest rebate will be paid to the member by check for months seven to twelve with current payments.

Member must have or open a Heritage Federal Credit Union checking account to qualify for FirstTime Visa. At age 25, the FirstTime Visa Classic will change to a regular Visa Classic. $400 per month income requirement. No credit cards on credit report. No adverse actions on credit report. Must show proof of 6-months of employment with current employer and be verified with check stubs. Equal Opportunity Lender.