Credit Cards in an instant with Instant Issue Visa. 

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Plus, two great low intro rates!

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

Intro rate for first 6 billing cycles.

Benefits of All Heritage Credit Cards

• No Annual Fee!
• Locally Serviced
• Card Controls 
• Price Protection
• $0 Fraud Liability
• Visa Secure
• Text alerts for Fraud Notifications

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
   

Earn Rewards with Every Purchase

MyPreferred^+plus Benefits

• 1 point for every dollar spent
• Redeem points for cash or merchandise
• Rates as low as 10.50% APR*
• Credit limits starting at $5,000

MyChoice^+plus Benefits*

• 1 point for every dollar spent
• Redeem points for cash or merchandise
• Rates as low as 17.00% APR*
• Credit limits starting at $500

Apply Now

Get a Great Low Rate!

MyPreferred Benefits*

• Rates as low as 9.00% APR*
• Credit Limits starting at $5,000

MyChoice Benefits*

• Rates as low as 15.50% APR*
• Credit limits starting at $500

Apply Now

Lost or Stolen Card?

Sign in to Online Banking and select “Card Controls” to note your card as lost or stolen. Lost or Stolen Card?

• 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.