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 Upcoming maintenance on December 17th. Online Banking will be unavailable Sunday December 17th, from 5:00 - 10:00am CST.

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Show your HCC Blue Dragon pride and support Blue Dragon Athletics with every purchase.

Good for HCC
With every purchase you make using your Blue Dragon Platinum VISA, 1/2% will benefit HCC Athletics via the Hutchinson Quarterback Club.

Good for you
Receive 1/2% cash back monthly on every purchase.  The cash is posted to your HCU primary savings account each month.  There is no waiting until the end of the year.  Money you can use, when you need it.

Lower fees and more generous terms
Why? Because we hate "gotchas" and wanted a card we would be proud to recommend to our relatives and friends. A card we are happy to recommend to our members. Compare it with any other card out there. Read the fine print. You'll find ours is better.

Local service
We own, operate, and service our VISA card program. We've been a member of VISA USA for over 25 years. No call centers in foreign countries. If you have an issue, you can speak with someone who cares, and can make a difference. Face to face if you like. Almost all of our competitors, both banks and credit unions, outsource their card programs to big regional companies. We wanted better for our members.

Apply Now

 Compare HCU Credit Cards

Compare our VISA Credit Cards

Traveling with an HCU VISA card? Please contact us FIRST

 

 

Extras

  • Overlimit protection
  • Automatic payment
  • Credit life and disability insurance

Goes well with...

  • Online & Mobile Banking
  • eStatements
  • 1/2% goes to help fund HCC Blue Dragon Athletics
  • 1/2% back every month to the member on every purchase
  • $0 VISA fraud liability for members (details)
  • Tiered interest rate; more qualified borrowers receive better rates
  • Consumer use only; not intended for businesses
  • Generous credit limits
  • Accepted worldwide for maximum convenience
  • $250,000 travel insurance
  • 4% repayment rate means your balance is paid off faster
  • Rental car insurance
  • Full 10 day late payment grace period (no late fees during grace period)
  • We use the most consumer friendly interest method for outstanding balances, the average daily balance method
  • Other credit card balances are easy to transfer to a Heartland Credit Union VISA

Payment Options:

  • Payments can be made via mail, in person, via phone, online, or by using HCU Telephone Banking
  • Payments can be made automatically through HCU auto-transfer or payroll deduction (if your employer participates)
  • Your paycheck can even be electronically deposited into your HCU account through direct deposit if your employer participates in this program

Features
Details

You asked for a card with a low APR and HCU has delivered.

Great Rate
Our Express VISA has tiered rates starting at just 5.90% APR, our lowest rate ever.  This card is perfect for members that carry a balance and want the lowest APR they can get to help keep their payments low.

Choices
You can choose from 12 different card designs for your HCU Express VISA.  We have designs from the fun and futuristic to traditional and patriotic. 

Lower fees and more generous terms
Why? Because we hate "gotchas" and wanted a card we would be proud to recommend to our relatives and friends. A card we are happy to recommend to our members. Compare it with any other card out there. Read the fine print. You'll find ours is better.

Local service
We own, operate, and service our VISA card program. We've been a member of VISA USA for over 25 years. No call centers in foreign countries. If you have an issue, you can speak with someone who cares, and can make a difference. Face to face if you like. Almost all of our competitors, both banks and credit unions, outsource their card programs to big regional companies. We wanted better for our members.

Apply Now

 Compare Heartland Credit Union Visa Credit Cards

Compare our VISA Credit Cards

Traveling with an HCU VISA card? Please contact us FIRST

 

 

Extras

  • Overlimit protection
  • Automatic payment
  • Credit life and disability insurance

Goes well with...

  • Online & Mobile Banking
  • eStatements
  • Rates starting at 5.9% APR, our lowest rate ever
  • No cash advance fees
  • Choose from 14 different card designs from the HCU library
  • $0 VISA fraud liability for members (details)
  • Tiered interest rate; more qualified borrowers receive better rates
  • Consumer use only; not intended for businesses
  • Generous credit limits
  • No grace period on purchases
  • Accepted worldwide for maximum convenience
  • $250,000 travel insurance
  • 4% repayment rate means your balance is paid off faster
  • Rental car insurance
  • Full 10 day late payment grace period (no late fees during grace period)
  • We use the most consumer friendly interest method for outstanding balances, the average daily balance method
  • Other credit card balances are easy to transfer to a Heartland Credit Union VISA

Payment Options:

  • Payments can be made via mail, in person, via phone, online, or by using HCU Telephone Banking
  • Payments can be made automatically through HCU auto-transfer or payroll deduction (if your employer participates)
  • Your paycheck can even be electronically deposited into your HCU account through direct deposit if your employer participates in this program

Features
Details
Compare

"Tis the season for 2x points!

The holidays are upon us, those Christmas gifts aren't going to buy themselves!

Earn double points when you use your Diamond Awards Visa, now through the end of 2017. Don't have one? No problem! You can apply online in minutes.

NEW IN 2017! You can use your points to donate to the following organizations: Big Brothers Big Sisters, Boys and Girls of Hutchinson, Central Kansas Community Foundation, Children's Miracle Network, Hutchinson Community Foundation, Hutchinson Friends of the Zoo, Sedgwick County Zoo, United Way, or Wichita Community Foundation.

Redeem points for cash, travel, gift cards, donations and more. Plus, with an interest rate that's 28% lower than the national average, you can shop and spend confidently if you carry a balance! See the full details here in the Diamond Awards Visa comparison.

Get started and apply online today!

Apply Now

*Limited time offer, membership required.  Earn 2 rewards points for every $1 spent on your HCU Diamond Awards Visa between 11/1/17 and 12/31/17.  Cannot be combined with other bonus offers.

Extras

  • Overlimit protection
  • Automatic payment
  • Credit life and disability insurance

Goes well with...

  • Online & Mobile Banking
  • eStatements

More great benefits:

    • 10-day late payment grace period
    • Zero liability and 100% fraud protection
    • Fully integrated with HCU online banking
    • 28-day grace period on purchases
    • Free $250,000 travel insurance
    • Cash advances at ATM’s worldwide
    • Over a dozen card designs to choose from
    • Low rates starting at only 11.90% APR

    For redemption options and required points, visit our Awards program portal

    Payment Options:

        • Payments can be made via mail, in person, via phone, online, or by using Heartland Credit Union Telephone Banking
        • Payments can be made automatically through HCU auto-transfer or payroll deduction (if your employer participates)
        • Your paycheck can even be electronically deposited into your HCU account through direct deposit if your employer participates in this program

        Compare HCU Diamond Awards vs. national credit cards

         

        HCU Diamond Awards
        vs. national credit cards

        Diamond Awards comparison

        National credit
        card average

        Lowest interest rate** 11.90% APR 15.30% APR*
        Annual fee $0 $58^
        Balance transfer fee 3% 3%-5%+
        Cash advance fee $2 or 3% whichever is greater 3%-5%***

        *CreditCards.com. Credit cards rate report. 5/9/16. ^Nerdwallet.com. 2015 consumer credit card trends study. +Nerdwallet.com. "When should you pay a balance transfer fee?" 2/4/15. ***CreditCards.com. 2015 Cash Advance Survey. **For qualified borrowers

        Features
        Details

        A low interest rate, based on your credit rating. No gimmicks, just the best everyday rates in the industry. Rates start at just 7.9% for borrowers with good credit.

        Choices
        You can choose from 12 different card designs for your HCU Platinum Cash Back Visa.  We have designs from the fun and futuristic to traditional and patriotic. 

        Lower fees and more generous terms
        Why? Because we hate "gotchas" and wanted a card we would be proud to recommend to our relatives and friends. A card we are happy to recommend to our members. Compare it with any other card out there. Read the fine print. You'll find ours is better.

        Local service
        We own, operate, and service our Visa card program. We've been a member of Visa USA for over 25 years. No call centers in foreign countries. If you have an issue, you can speak with someone who cares, and can make a difference. Face to face if you like. Almost all of our competitors, both banks and credit unions, outsource their card programs to big regional companies. We wanted better for our members.

        Apply Now

         Compare HCU Visa Credit Cards

        Compare our Visa Credit Cards

        Traveling with an HCU VISA card? Please contact us FIRST

         

         

        Extras

        • Overlimit protection
        • Automatic payment
        • Credit life and disability insurance

        Goes well with...

        • Online & Mobile Banking
        • eStatements
        • 1/2% money-back on purchases, credited to your account each month
        • Choose from 14 different card designs from the HCU library
        • $0 Visa fraud liability for members (details)
        • Low interest rate saves you money
        • Tiered interest rate; more qualified borrowers receive better rates
        • Consumer use only; not intended for businesses
        • Generous credit limits
        • 28 day grace period if there is no balance from the previous month on purchases (cash advances and balance transfers do not qualify for grace period)
        • Accepted worldwide for maximum convenience
        • $250,000 travel insurance
        • 4% repayment rate means your balance is paid off faster
        • Rental car insurance
        • Full 10 day late payment grace period (no late fees during grace period)
        • We use the most consumer friendly interest method for outstanding balances, the average daily balance method
        • Other credit card balances are easy to transfer to a HCU VISA

        Payment Options:

        • Payments can be made via mail, in person, via phone, online, or by using HCU Telephone Banking
        • Payments can be made automatically through HCU auto-transfer or payroll deduction (if your employer participates)
        • Your paycheck can even be electronically deposited into your HCU account through direct deposit if your employer participates in this program