Visa Credit Card                                                        

With a VISA credit card from Health Care Professionals Federal Credit Union you get :

  • Earn Members Choice Rewards
  • Acceptance at over 20 million locations worldwide
  • Easy cash access at nearly 855,000 ATMS around the world
  • No cost travel protection.  When you charge to your covered credit card the fare(s) for travel on a common carrier, you , your spouse and dependent children under the age of 19 years (25 if full time student and attending accredited university or college) will be automatically covered for accident insurance covering accidental death and dismemberment.  Coverage is also provided while traveling on a common carrier directly to or directly from an airport, train or ship terminal on which the Cardholder was a fare-paying passenger.
  • Credit Insurance:  Credit Insurance is available for a nominal cost.  If you have an interest in this option - please indicate your interest on the application.

HOW TO APPLY:     Apply Online!

Or visit us in branch or call us at 765-962-3172 and ask for Jana.

Visa Credit Card (Last Modified: Jun 24, 2014)

INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate (APR) for PurchasedA) 9.25%
B) 11.25%
C) 15.25%
These rates based on credit worthiness
APR for balance transfersA) 2.9%
B) 5.9%
C) 9.9%
Balance Transfer APR is in effect for six (6) months from the posting date. Balance transfers will post as a cash advance.
How to avoid paying interest on PurchasesYou have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for cash advances.
Minimum Interest ChargeNone
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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
FEES
Maintenance and Set up Fee, Annual Fee, Additional Card FeeNONE
TRANSACTION FEES
Balance Transfer Fees - NONE
Cash Advance Fees - NONE
Foreign Transaction Fee - Up to 1% of each transaction (USD)
PENALTY FEES
Late Payment Fee
Returned Payment Fee

Up to $25 assessed ten (10) days after due date.
Up to $25
OTHER FEES
$5 (Replacement Card Fee)
$20 (Skip a Pay Fee)
$3 (Card Center Phone Payment Fee)

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Health Care Professionals Federal Credit Union
1810 Williamsburg Pike, Richmond, IN 47374 (765) 962-3172
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