Credit Cards

VISA Classic/Secured Credit Card

Healthcare Financial Federal Credit Union offers both VISA Classic and VISA Secured Credit cards.

With our low rates and CU Rewards, why would you need any other card!

Features

Protection

  • We notify you of unusual activity and protect you from Credit Card Fraud.
  • You have the choice of affordable optional Payment Protection Plans.

For more information, contact the Lending Department.

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VISA Online Access

For easy access to your Credit Union VISA Credit Card, you can log in directly to Online Banking to check your card balance, make a payment or download your statement.

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VISA Credit Card Rates

Disclosure - Interest Rates and Interest Charges

CardsVISA ClassicVISA Secured
Annual Percentage Rate (APR) for Purchases 10.00% to 16.50% when you open your account, based on your creditworthiness 18.00%
APR for Cash Advances 18.00% 18.00%
APR for Balance Transfers 18.00% when you open your account, based on your creditworthiness 18.00%
Minimum Interest Charge None None

How to Avoid Paying Interest On Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore/. 

Fees

ItemFee
Annual Fee None
Foreign Transaction Fee 1% of each transaction in U.S. dollars
Transaction Fee for Purchases None
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Over the Credit Limit Fee (VISA Classic) $25.00 or the amount of the transaction exceeding your credit limit, whichever is less, if new balance less any fees, is more than 10.00% over your credit limit.
Returned Payment Fee $25.00 or the amount of the required payment, whichever is less.
Card Replacement Fee $15.00
Same Day Payment Fee $25.00

How We Calculate Your Balance: We use a method called ”average daily balance (including new purchases).”

For more information, contact the Lending Department.

Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 04/01/2017

 

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