Member Disclosure/Rate Information
(You must click through at the bottom of the disclosure page to proceed to application.)
Annual Percentage Rate on Purchases |
Visa Platinum 7.99% APR** Visa Classic 14.4% APR** |
Annual Percentage Rate on Cash Advances Annual Percentage Rate on Balance Transfers |
Visa Platinum 7.99% Visa Classic 14.4% |
Adjusted Annual Percentage Rate |
18.0%** |
Grace Period for Repayment of Balance for Purchases |
25 days |
Method of Computing the Balance for Purchases |
Average Daily Balance (including new purchases) |
Annual Fees |
None |
Minimum Finance Charge |
None |
Transaction Fees |
There is no transaction fee for purchases. The transaction fee for cash advances is 2% of the advance amount but not less than $2.00 and not more than $10.00 |
Late Payment Fee |
$20.00 |
Over-the-Credit-Limit-Fee |
$20.00 |
Balance Transfer Fee |
None |
** If a payment on the Visa Platinum or Visa Classic Card is late twice in a twelve-month period, the APR will adjust to 18% on all balances and purchases for one year.
If your application is approved, you will receive complete terms and conditions in the cardholder agreement.
Information in this table was accurate as of August 2007. As information may have changed since that time, please contact Heritage Federal Credit Union at (812) 853-7306 or 1-800-858-1693 for the most current information. You may also e-mail us at hfcu@hfcu.info . or write us at:
Attn: Visa Dept.
Heritage Federal Credit Union
PO Box 189
Newburgh, IN 47629-0189
To apply for your HFCU Visa right now, just use our handy online application.
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