- About Us
*APR = Annual Percentage Rate. Promotion is valid as of 01/18/2018 and is valid through 12/31/2018. 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. 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 between 8.00% and 18.00%. The Annual Percentage Rate is variable and may vary with the market based on the Prime Rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Cash advance fee will be 7.50% to 17.20% APR. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. For Indiana residents, call us at (812) 253-6928, for Kentucky residents, call us at (270) 830-8233, or call toll free at (800) 858-1693 for current cost information and for our Consumer Credit Card Agreement information.