Our Own VISA® Credit Card - a comparison

Our Own VISA Platinum Credit Cards…
They just keep getting better!
Now with…

  • Introductory 0% APR on new purchases for 6 months
  • 0% APR on Balance Transfers for 6 months
  • Reverts to a customized low rate
  • No annual fee
  • No penalty fee for late payments – a late payment fee of $10.00 will apply
  • No balance transfer fee
  • Great rewards with our Rewards Credit Card

Our Own Credit Card is just that – our own. Unlike most cards that are issued and serviced by the card giants, we issue and service our VISA Card ourselves. That gives us greater flexibility in terms of credit worthiness, rates and terms. And we’ve done our best to create a card that will be affordable even for those with challenged credit.

The best card on the market just keeps getting better!

HCU’s VISA Platinum Credit Cards. Choose the one that is right for you!

Our Own
VISA® Platinum

Apply Now

Our Own
VISA® Platinum Rewards

Apply Now

Card Benefits


  • Our lowest interest rates




  • Rewards points on every purchase
  • Redeem for cash back, gift cards, merchandise and travel  with CURewards.
Introductory 0% APR for 6 Months
0% APR on Balance Transfers for 6 Months
Annual Percentage Rate as low as  8.70% APR* 10.70% APR*
No Annual Fee
No Penalty Rate for Late Payment
No Balance Transfer Fee
Cash Back
Gift Card Redemption
Merchandise Rewards
Travel Rewards
CURewards® Mall       
Online Card application and management
  Learn More Learn More

*Your APR (Annual Percentage Rate)is based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly.

Member Loyalty Rewards

This rewards program would be for Reward Cardholders only.

The following reward points will be rewarded to Rewards Cardholders

  • Once $1,000 has been spent on your card within three months of the credit card being issued

  • Points expire after 60 months

HCU Product 

Points Rewarded

 Just for Opening!

 10,000

 First Mortgage

 20,000

 Auto Loan

 5,000

 Home Equity Loan

 5,000

 Home Equity Line of Credit

 5,000

 Checking Account with Direct Deposit        

 10,000

Our Own VISA Credit Card. Choose the design that’s right for you.

Pick either our attractive core design, or create your own from any of your favorite photos.

Our Own


Your Own

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