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HFS FCU E-Statements

HFS Rewards Visa® Credit Card


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

  • Low 9.00% APR Variable Rate
  • Credit limits up to $50,000.00
  • No Annual Fee to minimize the cost of having a credit card
  • Easy 24/hour online access to your credit card information through 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
  • Register your card and earn UChoose Rewards® on every purchase and redeem for cash back, merchandise, gift cards, travel and more!

       Additional Benefits of your HFS Rewards 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

Application and Solicitation Disclosure

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

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

APR for Balance Transfers 9.00%
This rate will vary with the market based on the Prime Rate.
 APR for Cash Advances 9.00%
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
Annual Fee
 -   Annual Fee

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

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 January 1, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
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.

For 24 hour credit card Customer Service, to change a PIN, or report a lost or stolen VISA® Credit Card, please call Toll Free (844) 546-8218 or for international calls (571) 526-3632.

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






© 2016 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.