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. You will not be subject to a Cash Advance transaction charge if you obtain a Cash Advance inside a HFCU office. |
Late Payment Fee |
$20.00 |
Balance Transfer Fee |
None |
* If the account is past due sixty (60) days, the APR will adjust to 18.00% on the outstanding balance in the billing cycle following the sixtieth (60th) day late. After six (6) consecutive timely minimum monthly payments, your interest rate will be adjusted to the rate prior to the increase on the outstanding balance at the time the rate was increased. Our then current interest rate will apply to all future transactions.
1st Time Visa is offered for members 18 to 24 years of age with a HFCU checking account. At age 25, or if your limit increases to $1,500, 1st Time Visa becomes Visa Classic.
If your application is approved, you will receive complete terms and conditions in the cardholder agreement.
Equal Opportunity LenderInformation in this table was accurate as of June 2008. 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.
Equal Housing Lender