Points for every purchase.
You earn Awards points for every purchase. Points are doubled for all gas and grocery purchases (up to $500 per month) letting you buy in confidence.
Redeem points for what matters to you.
Your points can be used for cash back, travel, gift cards, or even making a donation to a local community organization. Explore the online Awards points catalog to find the perfect experience or gift.
No annual fee... ever.
We don’t think you should be charged just to carry a credit card.
A small chip providing huge security.
Our credit cards have EMV chip technology, making transactions more secure at chip-enabled terminals. Plus, chip cards are accepted in more than 130 countries.
Local, familiar service.
We own and service our own Visa® credit card program, ensuring the best member experience.
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*Double Awards points up to $500 in gas and grocery purchases per month.
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 |
 |
National credit |
| 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%Δ |
*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. ΔCreditCards.com. 2015 Cash Advance Survey. **For qualified borrowers