Visa® Prime Lock
Your interest rate stays low no matter what's going on in the world.
With this card, you're primed to save money on purchases
Global events can lead to sudden shifts in the economy - and that can send credit card rates skyrocketing. Avoid unpleasant surprises with a card that is based on the current Prime Rate - the benchmark figure used by lenders to set interest charges on loans. The Prime Rate is well below the rate charged by most credit cards, allowing you to save hundreds or thousands of dollars over the long run.
- Make purchases online or at million of locations worldwide
- 2.99% APR* introductory rate for the first six months
- The long-term rate is equal to the current Prime Rate - as published in the Wall Street Journal - without added margins
- There is a $50 annual fee with the Visa® Prime Lock account
- No balance transfer fees or cash advance fees
- No rate increases for late payments
- No interest on purchases if entire balance is paid within 25-day grace period (Except cash advance – interest accrues from posting date)
- Visa's Zero Liability policy means you're not responsible for unauthorized purchases
- Breathe easier with Visa's 24/7 anti-fraud and ID theft protection
Other Features
- Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring Visa® credit cards
- Prime Lock card available to highly qualified members
- Credit Life and Credit Disability Insurance Protection available for a nominal fee
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.
*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.
**The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones. You are responsible for any text messaging fees from your carrier, message and data rates may apply.
To activate your HFCU Visa Credit Card please contact one of the following numbers:
(800) 290-7893 (for calls made inside the U.S.A.)
(206) 682-2462 (for calls made outside the U.S.A.)
If your HFCU Visa Credit Card has been lost or stolen please contact one of the following numbers:
(888) 297-3416 (for calls made inside the U.S.A.)
(206) 389-5200 (for calls made outside the U.S.A.)
Declined Credit Card and Debit Card TransactionsIf one of your credit card transactions or debit card transactions (where you selected the credit option instead of using your PIN on your debit card) was declined, please call the following phone number for assistance: (800) 457-0525
You can also detach your payment slip, and submit your credit card payments to the following address:
P.O. BOX 19609
Sugar Land, TX 77496
Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.