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Balance Transfers

Take a Break from Paying High Interest

Heritage is committed to simplifying your banking experience – and this means offering intro rates as low as 1.75% APR* on purchases and 0% APR* on balance transfers for our members.

Saving on interest is easy with a Heritage Credit Card. Transfer your credit card balances in just three easy steps. 

step 1

Step 1: Get Started

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

Apply Now

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Step 2: Transfer Credit Card Balances

Consolidate your monthly payments into one, and save big on high interest rates. quickly with digital banking. 

Log In to Digital Banking


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Step 3: Take Advantage of Low to No Intro APR*

Pay down your debt faster and enjoy saving on interest with introductory rates as low as 1.75% APR* on purchases and 0% APR* on balance transfers.

At Heritage, you can streamline your finances with an enhanced digital banking experience to help you manage your daily expenses, build credit, and more. Apply today for a Heritage Visa Credit Card and say goodbye to your high interest rate 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!

*APR = Annual Percentage Rate. Information accurate as of 01/01/2023. 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 11.00% and 18.00%. 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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