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.
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®.
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.

Important Dates to Know
- June 2, 2025 – Credit card consolidation. You may continue to use your current card end until June 30, 2025.
- June 9-12, 2025 – Your new HCU Visa will arrive in the mail. Once you receive your new card, follow the easy activation instructions to begin using it. Don’t forget to update any automatic payments with your new card number.
- June 30, 2025 – Last day transactions will be processed on your current card. Please activate your new HCU card by this date.
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.