Credit Cards

VISA Classic/Secured Credit Card

Healthcare Financial Federal Credit Union offers both VISA Classic and VISA Secured Credit cards.

With our low rates and CU Rewards, why would you need any other card!

Features

Easy payment options
24-hour VISA Online Access
Chip Technology

Protection

We notify you of unusual activity and protect you from Credit Card Fraud.
You have the choice of affordable optional Payment Protection Plans.

For more information, contact the Lending Department, please do not include any sensitive information when emailing us, or visit our Payment Protection page here.

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Healthcare Financial FCU offers discounts on top-notch insurance coverage for your auto and more. Learn more and protect your most valuable assets.

VISA Online Access

For easy access to your Credit Union VISA Credit Card, you can log in directly to Online Banking to check your card balance, make a payment or download your statement.

*This link will redirect you to the homepage to log into your account to access Visa Online.

VISA Credit Card Rates

Disclosure - Interest Rates* and Interest Charges

Cards	VISA Classic	VISA Secured
Annual Percentage Rate (APR) for Purchases	14.00% to 18.00% when you open your account, based on your creditworthiness	18.00%
APR for Cash Advances	18.00%	18.00%
APR for Balance Transfers	18.00% when you open your account, based on your creditworthiness	18.00%
Minimum Interest Charge	None	None
How to Avoid Paying Interest On Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

* Interest Rates are fixed.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore/.

Fees

Item	Fee
Annual Fee	None
Foreign Transaction Fee	1% of each transaction in U.S. dollars
Transaction Fee for Purchases	None
Late Payment Fee	$25.00 or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment.
Over the Credit Limit Fee (VISA Classic)	$25.00 or the amount of the transaction exceeding your credit limit, whichever is less, if new balance less any fees, is more than 10.00% over your credit limit.
Returned Payment Fee	$25.00 or the amount of the required payment, whichever is less.
Card Replacement Fee	$15.00
Same Day Payment Fee	$25.00

How We Calculate Your Balance: We use a method called ”average daily balance (including new purchases).”

For more information, contact the Lending Department. Please do not include any sensitive information when emailing us.

Rates are subject to change.
Rates accurate as of 11/15/2023.