Credit Cards

Credit Cards That Work for You

HRCCU offers two Visa® credit cards designed to support your goals, from building credit to managing everyday spending. Enjoy low interest rates, no annual fees, and the safety and convenience of mobile access and Visa protections.

Types of Credit Cards

Visa Platinum Card

A great choice for saving on interest and simplifying your spending

0% balance transfer for 6 months
No annual fee, low interest rate
Secure, 24/7 access with fraud protection

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Shared Secured Visa Card

Designed to help you build or rebuild your credit with confidence

Raise your credit score up to 100 points
Refundable deposit equals your credit limit
Build positive credit history with on-time payments

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Getting Started with Credit Made Easy

Opening an HRCCU credit card is quick, secure, and designed to fit your financial goals.

Choose your card – Visa Platinum or Shared Secured
Gather your ID, SSN, and proof of income
Apply online or visit a branch
Provide a refundable deposit if applying for Shared Secured
Start using your card with mobile access and Visa protections

man on phone and laptop opening bank account

Member Testimonials

Why Choose an HRCCU Credit Card?

Experience the benefits of banking local — made simple.

Lower Rates & Fewer Fees

As a not-for-profit credit union, HRCCU returns earnings to members through lower rates, no annual fees, and fair, transparent terms.

Personalized Local Service

Talk to real people who care about your financial goals — not a nationwide call center. Our team helps you make confident credit decisions.

Community Focused Banking

Every HRCCU member helps support local programs, schools, and families right here in the community you call home.

Frequently Asked Questions

HRCCU offers two Visa credit card options: the Visa Platinum Card and the Shared Secured Visa Card. The Visa Platinum is designed for everyday spending and offers a competitive low interest rate with no annual fee. The Shared Secured Visa is backed by a refundable deposit and helps members build or rebuild credit safely.

Both cards offer benefits like Visa Zero Liability protection, fraud monitoring, mobile account access, and 24/7 online management. Whether you’re looking to reduce interest costs or establish a stronger credit profile, HRCCU has a card to fit your needs.

Choosing the right HRCCU credit card depends on your financial goals. The Visa Platinum Card is best for members with established credit who want to save on interest with a low APR and no annual fee. It’s ideal for making large purchases, paying off balances, or using as an everyday spending tool.

If you’re working to build or improve your credit, the Shared Secured Visa may be a better fit. It uses your own funds as collateral and reports monthly to credit bureaus, helping you establish a positive credit history over time.

Yes. HRCCU credit cards come with robust security features, including Visa Zero Liability, 24/7 fraud monitoring, and optional card alerts through online banking. If your card is ever lost, stolen, or used without your permission, you won’t be held responsible for unauthorized transactions.

You can also manage your card digitally. You have the ability to lock or unlock it instantly, set up transaction alerts, and monitor purchases in real-time, all through HRCCU’s secure online and mobile banking platforms.

No. Both the Visa Platinum Card and the Shared Secured Visa Card come with no annual fee, making them a cost-effective solution for responsible borrowers. This structure helps members avoid long-term carrying costs while still enjoying access to secure, flexible credit.

You won’t encounter surprise charges or hidden fees either. HRCCU prides itself on transparency, so you know exactly what to expect each month.

Absolutely. The Shared Secured Visa Card is specifically designed to help members build or repair credit. It requires a refundable deposit that becomes your credit limit, which reduces risk while helping you establish positive payment habits.

For members with established credit, the Visa Platinum also reports to major credit bureaus, supporting consistent score growth when payments are made on time and balances are managed well. Both cards are excellent tools for improving your credit profile.