Credit Cards in an instant. 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. An Instant Issue Visa from HFCU offers choices from custom graphics* to rates versus rewards – all in an instant!
Heritage Federal Credit Union offers four instant issue Visa credit cards.
Instant issue means that members will receive their activated Visa card instantly upon approval. All Visa credit card accounts will have an introductory rate of 0% APR on purchases and balance transfers for the first 12 billing cycles.**
MyPreferred Visa: As low as 6.75% APR*
MyPreferred Plus Visa: As low as 8.25% APR*. Earn reward points on all your purchases, credit limits from $5,000 to $25,000.
MyChoice Visa: As low as 13.25% APR*
MyChoice Plus Visa: As low as 14.75% APR*. Earn reward points on all your purchases, credit limits from $5,000 to $25,000.
*APR = Annual Percentage Rate. Information accurate as of 02/12/2015. All new VISA® Credit Card accounts will have an introductory rate of 0% APR on purchases and on balance transfers for the first 12 billing cycles. For balance transfers, there is no balance transfer fee. After the promotional period expires, the rate will convert to a variable APR between 6.75% and 14.75%. The rate is variable and may change. Balance transfers after the promotional period may be subject to a fee up to 4% of the amount transferred with a minimum of $10. 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 (812) 253-6928 or toll free at (800) 858-1693 for current cost information.
For assistance during business hours call 1-800-858-1693. After hours assistance for Consumer cards call 1-855-887-3938 and for Business cards call 1-855-898-7297.
For more information about bringing your balances over 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 online application.
Heritage Federal Credit Union offers Visa Gift Cards for members.
These Visa gift cards make the perfect gift for special occasions such as weddings, graduations, birthdays, and sales incentive programs. Visa gift cards can be purchased at any of our branch locations.
Please contact your branch in advance for large gift card orders. For balance inquiries and additional information about the Visa gift card purchased you may contact Visa Card Customer Service at (800) 827-6227 or online.
Designs on gift cards are not customized. They are available between $10 and $1,000. A $1.75 card fee is assessed at the time of purchase, and payment made by cash or transfer from another credit union account.
EMV VISA Cards are Coming Soon!
Later this year, HFCU will be issuing new and replacement VISA credit and debit cards that have been updated with an EMV chip, the most innovative technology in combating fraud and protecting our members. EMV cards, or smart cards, utilize a computer chip embedded in the card to generate a one-time use security code. This will be a small, metallic chip you’ll see on the left side of your VISA debit or credit cards. When you use your card to make purchases at a business, the chip communicates with the terminal, sending this one-time code exclusive to that purchase. The code cannot be used again, making it nearly impossible for your cardholder data to be stolen and counterfeited.
HFCU will provide more details on this new technology and how to use it as we get closer to issuing the new and replacement Visa credit and debit cards. To Learn More, view the Visa Chip Technology website.
Members with a Heritage Federal Credit Union MyMoney Card are automatically enrolled.
Falcon protects you from credit and debit card fraud by detecting activity outside of your normal spending patterns.
Falcon is a Heritage Federal Credit Union service to help protect you from fraudulent use of your Visa credit and debit cards. Read the FAQ below for more information about Falcon and how it works.
If you have questions about Falcon please contact us at 812-253-MYCU (6928).
It is an automated service designed to notify you when there is activity outside of typical spending patterns on your Heritage Federal Credit Union Visa credit card and MyMoney card. Having an automated service enables the credit union to contact you within moments of the transaction, receive your confirmation, and reduce the risk of the credit union authorizing additional transactions that may be fraudulent. You may be contacted for spending outside of normal patterns in terms of frequency, amounts, regional location, etc.
Falcon will contact you using the phone number Heritage Federal Credit Union has on file for you. Please make sure we have your most recent home and cell phone number in our database. We will not contact you via a work number. Please also indicate which number is the best number to reach you to verify your transactions.
During the hours of 8:00 a.m. to 9:00 p.m., seven days a week. Falcon will contact you to confirm transactions that are suspicious. The time zone of the call is based on where you reside.
If you receive a call from our automated service (Visa Fraud Prevention Services) you will be prompted to verify your identity. We will not ask for your card number or PIN number.
The automated system shares the five most recent transactions, giving the transaction amount, transaction date and time, and the merchant name or merchant category code, then asks whether you authorized these transactions.
If you do not recognize a transaction, your card will be blocked. You will need to contact HFCU to request a new card to be ordered. You may also speak with a member of the Card Services department team for further investigation as necessary.
If you are able to verify the transaction(s), the automated system will close the case and you may continue to use your card as normal.
If Falcon is unable to reach you, it will leave a message for you to return the call. The message will identify Heritage Federal Credit Union and provide you with a toll-free number and a case ID. When you call back, you will be asked for the Case ID or full card number. The service is available for your return call 24/7.
We have placed a temporary block on your Visa card to prevent additional transactions until we are able to confirm the activity with you. It is important that we hear from you as soon as possible so we can determine the appropriate next steps to protect you from fraudulent use of your account.
Once you call the toll-free number (855) 217-1753 and confirm whether or not you made the purchase we will either remove the temporary block or block the card permanently. If your card is blocked permanently due to fraudulent activity you will need to contact HFCU to request a new card.
If you receive a call from Falcon, and do not return the call, your card will remain blocked until you contact Heritage Federal Credit Union at 812-253-6928, during normal business hours to request that the card be unblocked. Until that time your card could be blocked until you return the call to validate the transaction.
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