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Credit Cards

Credit Cards

Choose the Heritage Visa that Vibes with You

With our Heritage Visa instant issue credit cards, you can choose the card that vibes with you, and pick it up at a branch as soon as today!

Current Member Services Heritage Federal

Current Member Services

Member can report a lost or stolen card, make a credit card payment, find reward information and more here.

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Credit Cards

Credit Card Payoff Calculator

Looking for the tools and calculators to solve your financial goals? Here’s how we’re helping you achieve more.

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Benefits of All Heritage Credit Cards

Our cards have a benefit for everyone. Take a look at what your Heritage card will do for you. 

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Heritage Credit Cards

This plastic is powerful! All Heritage Credit cards come with big benefits like easy tracking, fraud protection and security. Choose from a low rate card, or a rewards card, our credit cards are designed for you. 

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Apply for a Credit Card and Pick Up Today

Start an application for an Instant Issue Visa card and pick it up at a branch as soon as today!

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Find a Location

Find a Location

We like to be where you are! Expanding services, means expanding access, and at Heritage we’re all about making your life easier.

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1APR = 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.

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