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Visa® Credit Cards

Choosing the right credit card has never been easier. No matter which credit card you choose, our Visa cards share some important features, including worldwide recognition and acceptance.

  • EMV Smart Chip Triangle Down
    EMV smart chip technology adds extra layers of security.
  • Mobile Wallet Triangle Down
    Mobile wallet capability for faster, easier shopping.
  • Visa Benefits Triangle Down
    Travel and emergency services and a host of standard Visa benefits enhances card value.

Get Started

Apply online

What to Expect When Applying

Standard Credit Card Features

  • No annual fee1
  • Credit line of up to $30,000 to qualified borrowers
  • 24/7 customer support at 800.847.2911
  • Continuous fraud monitoring
  • 25-day grace period for purchases1
  • One variable rate for purchases, balance transfers, and cash advances
  • $1,000,000 in travel accident insurance
Standard Platinum

Visa Platinum

Our traditional Visa Platinum credit card is a no-frills card, but comes with a great rate to help you save on interest and pay down your other credit card balances faster. This card is good if you tend to carry a balance on your credit card.

Visa Platinum Rewards

Our Platinum Rewards card earns one reward point for each dollar spent on qualifying purchases through our HVFCU Rewards! program. Points can be redeemed online for travel, cash back credit, charitable donations, gift cards, or merchandise rewards.

Explore HVFCU Rewards!


Visa Signature

Earn two HVFCU Rewards! points for each dollar spent on qualified purchases. Enjoy exclusive Signature benefits such as concierge services, lost luggage coverage, luxury hotel reservations, premium shopping discounts, and special access to sporting and entertainment events. For additional information on Visa Signature click here.

Visa Secured

Visa Secured

If you need to establish or rebuild your credit history, a Visa Secured credit card can help. A flexible credit line is established based on a matching security deposit.

Your Visa Secured card is like any Visa credit card and can be used wherever Visa is accepted.

Call us or stop into any branch to apply for a secured Visa.

Visa Credit Cards

Visa Platinum Variable APR
Visa Platinum Rewards
Variable APR
Visa Signature Variable APR

Visa Checkout makes it easy to complete your online purchases by eliminating the need to fill out lengthy checkout forms. Visa Checkout saves your billing, shipping, and credit card info so you don’t have to enter them each time you make an online purchase.


Once enrolled, simply enter your Visa Checkout username and password whenever you see the “Checkout with Visa Checkout” option. Visa Checkout works with HVFCU personal and business credit cards and debit cards, and is compatible with any device – whether computer, tablet, or phone.


Save time while savings a few trees when you arrange for convenient electronic statements. We’ll send you notification by email when they are available to view. Review up to 24 months of statement history.

Enroll in Electronic Statements

A valid email address is required for electronic statements. HVFCU staff are not able to enroll you in electronic statements due to certain disclosure agreements required through the GoToMyCard site.


GoToMyCard gives you secure online access to your card account so you can:

  • Get your current account summary
  • Review card activity
  • View billing statements
  • Make a payment
  • And more

Access GoToMyCard through Internet Banking or from the homepage of our website. No site registration is required when you access the site through Internet Banking.

Useful Resource

Get a free credit report review from BALANCE. Their counselors are certified to review credit reports and can help make sense of what is in your report.

Credit Report Review

The information above provided on Visa Platinum cards (with the exception of disclosure and pricing information) pertains to cards issued as of November 2007. For questions on cards issued prior to that date, contact us at 845.463.3011.
1 The fee for foreign transactions for the Visa Platinum Card is equal to the exchange rate + 1% of the transaction. Visa Signature Card has no foreign transaction fee. As of 7/4/19, the rate on our Visa Platinum is 13.50% the rate on our Point Rewards Visa Platinum is 14.50%, and the rate on our Visa Signature is 15.50%.
2 Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit. Your rate may vary from the stated rate and maximum financing. Please read the following disclosures that contain rate, fee, and other cost information related to HVFCU credit cards.