Apply for a Credit Card

Visa^® Advantage Secured

Visa® Advantage Secured credit card may be able to help you if you are experiencing credit challenges such as; insufficient credit, no credit or paying high-interest rates. You can begin to build, strengthen or rebuild your credit.

Click here to download our HFCU Visa® Credit and Debit Card Features and Benefits brochure PDF.

Features
2.99% APR* introductory rate for the first six months
No Annual Fee
No balance transfer fees
No cash advance fees
Zero liability for any unauthorized transactions
Free HFCU Card Alerts and Protections service** Sign up for HFCU Card Alerts and Protections
Visa® Click to Pay helps deter fraud through a retailers site. Sign up all your HFCU credit cards today!

Benefits
Credit Life and Disability Insurance Protection available for a nominal fee
Cash Advances available at credit unions, banks, hotel, ATMs, etc. honoring Visa® Cards
Responsible financial management may qualify you for unsecured Visa® Credit Cards

Rates Below Effective: December 1, 2024

Visa^® Secured

Type	APR* – Variable Rate as low as
Visa® Advantage Secured	9.74%

View Credit Card Disclosure Information View Credit Card Agreement Information

*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 Transactions
If 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

3-D Secure by Visa

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