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Disclosure Information for Visa Platinum, Visa Platinum Rewards, Visa Signature, & Visa Platinum Cash Rewards

The Visa Platinum introductory APR applies only to new credit card accounts opened on or after May 12, 2021. Not available for HVCU credit line increases, refinances, or HVCU credit card transfers. No exceptions will be made or considered. Offer may withdrawn at any time by HVCU without further notice to you.

Credit Card Rates Effective July 1, 2023
 
Interest Rates and Interest Charges Visa® Platinum Visa® Platinum Rewards Visa® Signature Visa® Platinum Cash Rewards

Annual Percentage Rate (APR) for Purchases

0%

introductory APR for 12 months. After that your APR will be

16.25% to 18.00%

when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

17.25% to 18.00%

when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

17.25% to 17.75%

when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

18.00% to 18.00%

when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% introductory APR for 12 months. After that, your APR will be 16.25% to 18.00%.
This APR will vary with the market based on the Prime Rate.

17.25% to 18.00%
This APR will vary with the market based on the Prime Rate.

17.25% to 17.75%
This APR will vary with the market based on the Prime Rate.

 18.00% to 18.00%
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

0% introductory APR for 12 months. After that, your APR will be16.25% to 18.00%.
This APR will vary with the market based on the Prime Rate.

17.25% to 18.00%
This APR will vary with the market based on the Prime Rate.

17.25% to 17.75%
This APR will vary with the market based on the Prime Rate.

 18.00% to 18.00%
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

None

None

None

 None

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

 Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

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 www.consumerfinance.gov/learnmore.

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 www.consumerfinance.gov/learnmore.

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 www.consumerfinance.gov/learnmore.

 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 www.consumerfinance.gov/learnmore.
Fees        

Annual Fee

NA

NA

NA

 NA

Transaction Fees

 

 

 

  

Cash Advance

3% of advance amount

3% of advance amount

3% of advance amount

 3% of advance amount

Foreign Transaction

Exchange Rate plus 1% of transaction

Exchange Rate plus 1% of transaction

Exchange Rate plus 1% of transaction

 Exchange Rate plus 1% of transaction

Penalty Fees

 

 

 

  
Late Payment $25 $25 $25 $25

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases, cash advances, and balance transfers). See the Variable Rate Credit Card Agreement and Truth in Lending Disclosure for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in the Variable Rate Credit Card Agreement and Truth in Lending Disclosure.

Your new credit card has a variable rate. Additional rate information is as follows:
 
  Visa® Platinum Visa® Platinum Rewards Visa® Signature Visa® Platinum Cash Rewards

MONTHLY PERIODIC RATE FOR APR SHOWN ABOVE FOR PURCHASES, CASH ADVANCES, AND BALANCE TRANSFERS

1.35% to 1.50%

1.44% to 1.50%

1.44% to 1.50%

 1.50% to 1.50%

MARGIN

8.00% to 12.25%

9.00% to 13.25%

9.00% to 9.75%

 10.00% to 14.25%


The Annual Percentage rate and monthly periodic rate above is in effect until the next monthly change. Refer to your Variable Rate Credit card Agreement and Truth in Lending Disclosure for more information regarding your variable rate.

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