0% APR* for 12 Months on Balance Transfers
Find reprieve from high-interest rates with HCU’s 0% Annual Percentage Rate balance transfer for 12 months when you transfer a balance from a non-HCU account to a Your Rewards Visa or Everyday Visa credit card. A balance transfer can be a useful tool for paying off your credit card debt and achieving financial freedom.
Solve Your Credit Card Debt
- Save big by reducing your interest charges, meaning more of your monthly payments go towards paying down the principal balance
- Worry less with 0% APR* for 12 months, giving you more time to tackle your debt without having to pay more in interest
- Simplify your finances by consolidating your debt into a single, more manageable payment
Get Started:
Transfer a balance from your non-HCU credit card and enjoy 0% APR* for 12 months, plus the benefits of your new HCU card. Earn points when you use your card and choose your rewards with the Your Rewards Visa or keep it simple with our low rate Everyday Visa Credit Card.
Reach out to our eBranch if you have questions about transferring a balance.
Cardholder Benefits
Trip Cancellation and Trip Interruption
For those times when your trip doesn't go as planned.
Lost
Luggage
Reimbursement
Luggage not make it to your destination? We've got you covered.
Travel and
Emergency
Services
Here to help you if an emergency happens when you're away from home.
Auto Rental Coverage Damage Waiver
Accidents
can happen, but you
can be covered.
Extended
Warranty
Protection
Providing
extra protection on
qualifying purchases.
Porch
Piracy
Protection
Protection
for that
special delivery.
HCU Visa Credit Card Features |  Your Rewards |  Everyday Visa |
|---|---|---|
Earn two points for every dollar spent | ||
Earn three points per dollar spent on gas, groceries, and dining out, up to $1,000 per month | ||
Redeem points for cashback, gift cards, merchandise, travel, charitable donations, and statement credit | ||
Earn 20,000 bonus points after you spend $3,000 in the first 3 months after account opening | ||
Lowest variable rate | ||
0% APR* for 12 months on balance transfers | ||
No annual fee | ||
No foreign transaction fee | ||
10-day late payment grace period | ||
100% fraud protection, zero-dollar liability | ||
Cash advances at ATMs worldwide | ||
Instant issue available at any HCU branch | ||
Card management inside HCU Digital Banking |
Your Rewards Visa Credit Card
Learn More
Everyday Visa Credit Card
Learn More
Benefits and Claim Information
Learn More
Credit Card Management
Learn More
Or have an HCU representative contact you about an HCU Credit Card.
*0.00% Annual Percentage Rate for 12 billing cycles, on all balances transferred from a non-HCU credit card between March 3 and April 30, 2025. On the 13th billing cycle, the rate will revert to the standard balance transfer rate for your card program, which will be 15.99-24.00% APR based on your credit worthiness. 13.99% APR to 24.00% APR for purchases, based on your card program and credit worthiness. 3% balance transfer fee applies. Limited time offer. Membership required. Rates accurate as of Feb. 19, 2025 and may change without notice.
