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Credit Cards in an instant with Instant Issue Visa®. Need to finance an unexpected purchase or have access to funds in an emergency? Credit Cards used responsibly are a good way to build credit, finance small unexpected purchases or use for travel reservations, deposits on hotel rooms or rental cars.

Instant Issue Visa Credit Cards

  • MyPreferred Visa: As low as 9.00% APR*. Credit limits from $5,000 to $25,000.
  • MyPreferred +plus Visa: As low as 10.50% APR*. Earn reward points on all your purchases, credit limits from $5,000 to $25,000.
  • MyChoice Visa: As low as 15.50% APR*. Credit limits from $500 to $25,000.
  • MyChoice +plus Visa: As low as 17.00% APR*. Earn reward points on all your purchases, credit limits from $500 to $25,000.


 Instant Issue Image Selection

 Heritage Choice Rewards

 Price Protection

 Visa Gift Cards

 Visa Checkout

  EMV Chip Technology

 Sign up for text alerts for Fraud Notifications 


Lost or Stolen Card?

Sign in to the  Mobile Banking App and select “Card Controls” to note your card as lost or stolen. 

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*APR = Annual Percentage Rate. Information is accurate as of 01/01/2019. New consumer VISA® Credit Card accounts can have an introductory rate as low as 0% APR on new purchases and on balance transfers (excludes HFCU funds and must be balance transfers outside of the credit union) for the first 6 billing cycles. For balance transfers, there is no balance transfer fee. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10, a cash advance fee up to 2.00% of the advance amount with a minimum of $10, on each foreign transaction, there is a fee of 1.00% of the transaction amount. After the promotional period expires, the rate will convert to a variable APR currently between 9.00% and 17.00%. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at toll free at (800) 858-1693 for current cost information.


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