Visa® Credit Cards

Heritage Federal Credit Union offers a Visa card that’s simply hard to beat. You could save yourself hundreds of dollars in interest and fees, when you switch your balance from higher interest cards to a Heritage Federal Credit Union Visa. Plus, now we have great Point2 Point Rewards every time you spend money with your Heritage Federal Credit Union Visa.

Point2Point Rewards With Your Visa

When you have a Heritage Federal Credit Union Visa card, you earn points and rewards when you use your card for qualified purchases.

• Earn one reward point for every dollar of qualified purchases on your Heritage Federal Credit Union Visa.
• Redeem points for fun stuff like downloadable music, merchandise, gift cards, non-restrictive travel and cash back.
• Combine Visa and Heritage Federal Credit Union debit card points for even greater rewards.
• When you have a Visa card, you're automatically enrolled in Point2Point Rewards.

Login or learn more at www.point2pointrewards.com.

Visa Platinum

• As low as 7.99% APR
• Pay No Annual Fee
• Enjoy 25-day grace period on purchases.
• Count on local member service
• Receive Automatic Auto Rental Insurance when you pay with your Heritage Federal Credit Union Visa.
• Take advantage of 24-hour Visa Assistance Center at 1-800-VISA-911
• Credit Limits from $5,000 to $25,000

Visa Classic

• As low as 14.4% APR
• Pay No Annual Fee
• Enjoy 25-day grace period on purchases.
• Count on local member service
• Receive Automatic Auto Rental Insurance when you pay with your Heritage Federal Credit Union Visa
• Credit Limits from $500 to $10,000

For more information about bringing your balances home to Heritage Federal Credit Union, call us at 253-MYCU(6928) or visit any Heritage Federal Credit Union office. To apply for your Heritage Federal Credit Union Visa right now, just use our handy online application.

First Time Visa

• As low as 14.4% APR
• Offered for members 18 to 24
  years of age
• Must have an active Heritage
  Federal Credit Union Checking
  account
  
• Pay No Annual Fee
• Enjoy 25-day grace period on purchases
• Count on local member service
• Initial credit limit of $500
• At age 25, or if your credit limit increases to $1,500, 1st Time Visa becomes a Visa Classic
• Money back for timely payments*

Visa Gift Cards

Heritage Federal Credit Union is now offering Instant Issue Visa Gift Cards for members and non-members. These Visa Gift Cards make the perfect gift for weddings, graduations, birthdays, sales incentive programs and for really any special occasion. Special (i.e. seasonal cards) may be available and offered on a limited basis throughout the year. Visa Gift Cards can be purchased at any of the credit union's branches and are available for members and non-members.

• Gift Cards can be purchased at any of our branch locations by members and non-members
  
  
• We offer, in-stock, 5 designs to choose from (Balloons, Wedding, Graduation, Gift For You and Classic Plastic designs)
  
  
• Other designs are available as a special order from the credit union (see a financial services consultant for details and designs)
  
  
• These are non-reloadable Visa Gift Cards
  Visa Gift Cards are available in amounts ranging from $10 to $1,000 per card
  
  
• A per card fee is accessed at the time of purchase and is $2.25 per card for non-members and $1.75 per card for members
  
  
• Beginning the seventh month, a monthly maintenance fee of $2.95 per month per card will be assessed against the balance on the card until the balance is exhausted
  
  
• The Visa Gift Card and fee must be paid in the form of cash for non-members and either cash or transfer from another credit union account for members
  
  
• For balance inquiries and additional information about the Visa Gift Card purchased you may contact Visa Card Customer Service at 800-827-6227 or via www.myprepaidbalance.com

Fraud Scout
Fraud Scout is a program built to protect you from credit and debit card fraud by detecting activity outside of your normal spending patterns. Read these Frequently Asked Questions for more information about Fraud Scout and how it works.

Verified by Visa
Members with a Heritage Federal Credit Union Visa or Express Check Card are automatically enrolled.

Complete online purchases as usual, then set up a password when the window pops up.

You will be asked for your password when using your v credit or check card at a participating merchant web sites.

For more information about Verified by Visa, visit www.visa.com/verified .

*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.

Visa Disclosure