Credit Cards in an instant with Instant Issue Visa. 

Plus, two great low intro rates!

1.75% APR* on Purchases and 0% APR* on Balance Transfers

Intro rate for first 6 billing cycles.

Choose the card that's right for you 

You have choices!

• Choose your instant issue card background image 
• Choose a rewards card or a lower interest rate card
   

Heritage Low Rate Credit Card

If you’re looking for a credit card with lower rates that strengthen your credit while you carry a balance, then look no further. Heritage offers low introductory rates with credit limits starting at $500. Even after the introductory period ends, your rate will stay competitive and you’ll enjoy the low rates you deserve. Rates and credit limit subject to approval, but our Financial Experts can pair you with the right card for your goals and financial history.

This plastic is powerful! All Heritage credit cards come with big benefits like easy tracking, fraud protection and security.

Low Rate Credit Card Benefits   Apply Now

Heritage Reward Credit Card

If you’re looking for a credit card with exciting rewards that fuel your passions, look no further. Talk to a Heritage Financial Expert to match you with the right card that rewards your everyday purchases with everything from gear to gift cards.

Heritage Reward Credit Cards offers:

• 1 point for every dollar spent
• Redeem points for cash or merchandise
• Great rates that start low, and stay low
• Credit limits starting at $500

This plastic is powerful! All Heritage Credit cards come with big rewards like easy tracking, fraud protection and security. 

Rewards Credit Card Benefits  Apply Now

Lost or Stolen Card?

We understand that a lost or stolen card is inconvenient. We offer several easy and convenient ways to notify us so that we can help you get your card replaced – fast.

• Sign in to Digital Banking and select “Card Controls” to note your card as lost or stolen. 

• During normal business hours, call our local Information Center at (812) 253-6928, Option 6

• 24/7 you can call VISA at (855) 887-3938

*APR = Annual Percentage Rate. Information accurate as of 7/27/2022. New consumer VISA® Credit Card accounts can have an introductory rate as low as 1.75% APR on new purchases and 0% APR on balance transfers (excludes HFCU funds and must be balance transfers outside of the credit union) for the first 6 billing cycles. For balance transfers, there is no balance transfer fee. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10. On each foreign transaction, there is a fee of 1.00% of the transaction amount. After the first 6 billing cycles, the rate will convert to a variable APR between 9.00% and 17.00%. The Annual Percentage Rate is variable and may vary with the market based on the Prime Rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Call us at (812) 253-6928 or toll free at (800) 858-1693 for current cost information.*APR = Annual Percentage Rate. Information accurate as of 7/27/2022. New consumer VISA® Credit Card accounts can have an introductory rate as low as 1.75% APR on new purchases and 0% APR on balance transfers (excludes HFCU funds and must be balance transfers outside of the credit union) for the first 6 billing cycles. For balance transfers, there is no balance transfer fee. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10. On each foreign transaction, there is a fee of 1.00% of the transaction amount. After the first 6 billing cycles, the rate will convert to a variable APR between 9.00% and 17.00%. The Annual Percentage Rate is variable and may vary with the market based on the Prime Rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Call us at (812) 253-6928 or toll free at (800) 858-1693 for current cost information.