Visa Credit Cards | HAR-CO Credit Union

Visa Credit Cards

No fees and low interest!

NO Transfer Fee, NO Annual Fee,
NO Cash Advance Fee, NO Brainer.

Gold - The best rates with higher limits

Classic - Great rates for everyday purchases

Secured - The perfect card for teenagers to build credit

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Card Teaser

Visa Credit Cards

Gold Plus 9.45% APR*

  • 2% Cash Back for the First 2 Balance Transfers
  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • NO Balance Transfer Fee or Cash Advance Fee
  • Instant, Ready to Use EMV Chip Security Card
  • CardValet® Mobile App

Classic Plus 12.49% APR*

  • 2% Cash Back for the First 2 Balance Transfers
  • 1% Unlimited Cash Back on All Purchases
  • NO Annual Fee
  • NO Balance Transfer Fee or Cash Advance Fee
  • Instant, Ready to Use EMV Chip Security Card
  • CardValet® Mobile App
*APR = Annual Percentage Rate. Rate subject to change. The balance transfer amount must remain as an outstanding balance on the Visa Plus account for 60 days. Prepaying any part of the balance transfer amount will void the cash back eligibility. Balance transfers must be completed by a Har-co Member Service Representative to qualify for the 2% Cash Back. Your Visa account will be credited on or about the 61st day after the transfer was completed. Subject to credit approval. Please refer to the terms and conditions of the credit card agreement for complete details. CardValet is a registered trademark of Fiserv, Inc.

Secured 3.25% APR1

  • You decide your limit based on secured funds2
  • INSTANT ISSUE Ready to Use EMV Chip Card
  • 1% Cash Back on Purchases
  • NO Balance Transfer Fee, Cash Advance Fee or Annual Fee
  • Secured by Savings Account
  • CardValet® Mobile App
1APR = Annual Percentage Rate. 2Secured collateral must be funds from savings account. Subject to credit approval. Membership eligibility is required. Please refer to the terms and conditions of the credit card agreement for complete details. CardValet is a registered trademark of Fiserv, Inc.

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Visa Disclosure

VISAs

SECURED VISA

3.25%

VISA GOLD PLUS

9.45%

VISA CLASSIC PLUS

12.49%

Other APRs - NONE

Payment for Purchases - 25th day of each month

Method Of Computing The
Balance For Purchases - Average daily balance (including new purchases)

Annual Fees - NONE

Minimum Finance Charge - NONE

Transaction Fee for Cash Advances - NONE

Balance Transfer Fee - NONE

Late Payment Fee** - 25.00

Over the Credit Limit Fee - NONE

Return Item Fee - $20.00

 
Information above was accurate as of April 1, 2021. Rates and Terms are subject to change. Current rates and terms can be obtained from:
30 N. Hickory Avenue, Bel Air, Maryland 21014.
*How to Avoid Paying Interest on Purchases – Your due date is the 25th of every month. No finance charge will be imposed on credit purchases if the entire new balance is paid in full by the due date.
**Late Payment Fee – If you fail to pay at least the minimum payment on the due date, we may assess a late charge of $25.00.
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

How Long Will it Take to Pay Off my Credit Card?

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Happy April Fool's Day! 

april fools

 

Traveling in or out of the country?

Before you leave:

Notify Har-co of your travel dates to prevent any unnecessary blocks on your VISA® Debit or VISA® Credit Cards.

 

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