Credit Cards


Finding a credit card with the value and benefits you are looking for is easy. From personal shopping to a night out on the town, HCFCU offers a wide variety of MasterCard® credit card options that fit you.

We provide several credit cards to choose from with interest rates starting as low as 5.9% APR1. All of our credit cards have no annual fee, a 25-day grace period on all purchases and the convenience of no-fee cash advances through thousands of ATMs worldwide.

Get the benefits and rewards you value most with our MasterCard Platinum credit card!

  • 1% rebate on all purchases
  • Up to $1,000,000 travel accident insurance
  • Cell phone protection
  • Price protection
  • Emergency cardholder services through MasterCard Global Services
  • Reduce interest rates on your Auto, Motorcycle, RV, or Signature loan!^

Want to make a payment or check your balance? Log on to GoToMyCard™ for secure online access to your account. You can also make a payment by phone at 800-820-8450.

An HCFCU credit card is a smart way to spend!

Before you plan to visit!

Please note the following operational changes:

  • All services, aside from teller transactions are performed by advanced appointment only.
    Click here to make an appointment to visit with our team.
  • All visitors are required to wear a facial covering while visiting our lobby. You will not be permitted to enter the credit union without a facial cover.
  • As we will only allow a certain number of people in the building at one time, please limit the size of your party to only those necessary for your transaction.
  • Your appointment will automatically cancel if you are more than 10 minutes late. Please do NOT arrive more than a few minutes early for your appointment time.
  • If you are sick or exhibiting any COVID symptoms, we ask you to cancel your appointment and consider rescheduling for a later date or use another contactless method.

^Reward yourself with up to 0.30% off with Relationship Discounts!
Choose from the options below and receive up to 0.30% off your next loan rate.
+ Add Payment Protection to your loan and receive a rate reduction of .15% for Credit Life and/or.15% for Credit Disability.
+ Establish an HCFCU share draft account with direct deposit and e-statements and receive a rate reduction of .15%
+ HCFCU credit card holders receive a rate reduction of .15%

INS-EngHPequal_opportunity_lender**HCFCU is an Equal Housing and Equal Opportunity Lender. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA, a U.S. Government agency.**

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1Annual Percentage Rate. Subject to credit qualifications