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HFS FCU E-Statements


HFS Visa® Credit Card

 


Choose the HFS Visa® Credit Card for your everyday purchases, use it when you travel or keep it handy for emergency use. Enjoy one card with numberous benefits!  Featuring low rates, worldwide acceptance, local servicing, and much more. Apply today!

 
  • Low 8.75% APR Variable Rate
  • Credit limits up to $50,000.00
  • No Annual Fee to minimize the cost of owning a credit card
  • Easy 24/hour online access through HFS Online Banking (view account balances, check available credit, view monthly statements and transactions, pay your bill online & more)
  • Real-Time Payment ensures that your card is available for use quickly
  • EMV Chip Techology to protect your data

       Additional Benefits of your HFS Visa® Credit Card

  • Auto Rental Collision Damage Waiver Program
  • $500,000 in Travel Accident Insurance
  • Travel and Emergency Assistance Services

       View the VISA® Credit Card Agreement  


Apply for a HFS FCU Loan

      
Important Notice Regarding ScoreCard Rewards
HFS Federal Credit Union will be ending our relationship with ScoreCard®, the rewards program partner associated with the HFS Debit MasterCard® and our previous HFS Visa® Platinum Credit Card. All points earned by these cardholders prior to June 30, 2015 must be redeemed by August 31, 2015 at which time any remaining points will expire. To check your current balance and/or redeem your reward points please visit www.scorecardrewards.com.
 

HFS VISA® CREDIT CARD
Application and Solicitation Disclosure

Interest Rates and Interest Charges
 Annual Percentage Rate (APR) for Purchases

8.75%
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 8.75%
This rate will vary with the market based on the Prime Rate.
 APR for Cash Advances 8.75%
This rate will vary with the market based on the Prime Rate.
 How To Avoid Paying Interest on Purchases 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.
 Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
 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 http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
 -   Annual Fee
None

Transaction Fees
-    Balance Transfer Fee
-    Cash Advance Fee
 -   Foreign Transaction Fee





None
None
1.00%
of the transaction amount in U.S. dollars for transactions with a currency conversion
0.80% of the transaction amount in U.S. dollars for transactions without a currency conversion

 Penalty Fees
 -   Late Payment Fee
 -   Returned Check/Payment Fee

Up to $25.00
Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date.
The information about the costs of the card described in this application is accurate as of July 1, 2015. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES    
Late Payment Fee 10.00%   of the current minimum payment due if you are 10 or more days late; however, the fee will not exceed $25.00.
Returned Payment Fee $25.00 or your current required minimum payment due, whichever is less.
Statement Copy Fee $5.00 per copy
Document Copy Fee $25.00 per copy
Rush Fee $80.00  
Card Replacement Fee      $10.00       
Research Fee $25.00 per hour (minimum one hour)
Emergency Card Replacement Fee $100.00 for requests originating and delivered inside the U.S.
Emergency Card Replacement Fee $165.00 for requests originating or delivered outside the U.S.
Current Month's Minimum Payment. 2.00% of your total new balance or $35.00, whichever is greater.
 
If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 930-1400.

Prevent unauthorized purchases by registering your credit card with Verified by Visa.









 

 

 

 

 

© 2015 HFS Federal Credit Union
National Credit Union AdministrationEqual Housing Lender

Federally insured by NCUA.
We do business in accordance with the Federal Fair Housing Law.