Credit Card Consolidation

To better serve our members, we are streamlining our credit card offerings to focus on fewer, more robust programs to ensure our members receive the best possible value from their credit cards. Our credit card consolidation will take place on June 2, 2025. All updates will be posted here, so check back for the latest news.

Image

Important Dates to Know

  • June 3-30: Two Cards In Digital Banking

    Starting June 3, you’ll notice two credit card accounts in HCU Digital Banking:

    • Top card: Your new HCU credit card
    • Bottom card: Your current card

      All new activity—including purchases on your current card—will now post to the new account.

    Important: Please begin making payments to your new account starting June 3. Both card accounts will remain visible in HCU Digital Banking through July 15.

  • June 9–30: Your New Card Arrives

    Your new HCU credit card will be delivered between June 9-30. Once it arrives:

    • Activate your new card using the instructions provided to begin using it.
    • Update any automatic payments with your new card number

  • July 15: Last Day For Current Card Use

    This is the last day purchases will be processed on your current card. Be sure to activate your new card before then.

+Image

What You're Seeing in HCU Digital Banking

When you log in to HCU Digital Banking, you’ll notice there are two credit card account listed:

  • The top card is your new credit card
  • The bottom card is your current credit card

Here’s how it works:

  • Any purchases made with your current card will temporarily post to the current account.
  • These transactions will automatically transfer to your new card account overnight.
  • Please make payments to the new card account.
  • Once you’ve activated your new card, all new purchases will post directly to your new card.
  • Both card accounts will remain visible in HCU Digital Banking through July 15. On July 16, only your new credit card will be visible.

If you have one of the cards listed below, your card will be upgraded. Consumer cards will transition to an HCU Everyday Visa® or HCU Your Rewards Visa®, and business cards will transition to an HCU Everyday Business Visa® or HCU Your Business Rewards Visa®.

Consumer and Business Diamond Awards Cardholders: During the credit card consolidation, Diamond Awards cardholders will be unable to redeem awards points from Monday, June 2 through Monday, June 9. Cardholders can begin redeeming points on Tuesday, June 10. We apologize for the inconvenience.

Click your card program name to view the details.

HCU Everyday Visa®

What’s New?

  • New Card Number – Your new card will have a different number, so be sure to update any automatic payments you have set up, including streaming services, subscriptions, and other recurring bills when you receive your new credit card in June.
  • Back to the Basics – The Everyday Visa card is straightforward: no points to keep track of, no annual fee, just an easy, reliable card for your everyday shopping.
  • Cardholder Benefits – Your new HCU Everyday Visa credit card comes with great benefits like trip cancellation and interruption insurance, lost luggage reimbursement, and extended warranty protection to safeguard your purchases.
  • Lowest Variable Rate – Take advantage of Heartland’s lowest variable rate, exclusively available to Everyday Visa cardholders.
  • Special Offer Just for You – To thank you for your patience, enjoy a low 1.99% APR* for 12 months on all purchases made in the first 90 days after activating your new card.

HCU Your Business Rewards Visa®

What's New?

  • Earn Rewards – Earn points every time you use your card and bonus points on gas, groceries, and dining out. Use your points to redeem the reward that suits your business best: from travel, statement credit, and cashback to merchandise, gift cards, and charitable donations, the possibilities are endless.
  • New Card Number – Your new card will have a different number, so be sure to update any automatic payments you have set up, including streaming services, subscriptions, and other recurring bills when you receive your new credit card in June.
  • Special Offer Just for You – To thank you for your patience, enjoy a low 1.99% APR* for 12 months on all purchases made in the first 90 days after activating your new card.

Cardholder Benefits
Your new HCU Visa credit card comes with great benefits like trip cancellation and interruption insurance, lost luggage reimbursement, and extended warranty protection to safeguard your purchases.

New Card Number
Your new card will have a different number, so be sure to update any automatic payments you have set up, including streaming services, subscriptions, and other recurring bills when you receive your new credit card in June.

Special Offer Just for You
To thank you for your patience, enjoy a low 1.99% APR* for 12 months on all purchases made in the first 90 days after activating your new card.

If you have any questions, call our eBranch at 800.428.8472

*1.99% Annual Percentage Rate for 12 billing cycles, on all purchases made within the first 90-days of card activation. On the 13th billing cycle, the rate will revert to the standard purchase rate for your card program, which will range from 13.99% APR to 24.00%, based on your credit worthiness. Limited time offer. Membership required. Rates accurate as of Feb. 19, 2025 and may change without notice.