Credit Cards

Choose the credit card that’s right for you.

We offer three exciting Harvester Financial CU VISA® card programs--- Visa® Platinum, Visa® Gold, and Visa® Classic. Visa® is recognized and accepted at millions of locations worldwide.

With each Harvester Financial Visa® Card you receive . . .

  • No annual fee
  • Low rate
  • No balance transfer fee
  • No cash advance fee
  • Zero liability fraud protection
  • 24 hour assistance
  • EMV chips for additional security

Our Visa® Platinum Card offers these additional benefits:

  • Special introductory rate for the first six months
  • Credit line up to $20,000
  • Comprehensive package of travel services

Visa® Platinum Rewards

Each and every purchase you make using your Visa® Platinum card earns valuable Rewards points which you can redeem for travel, merchandise, merchant gift cards, and more. You'll earn one point (1) for every dollar ($1) you spend.

  • Intro APR: 3.9% for 6 months
  • Earn 1 point per $1 spent.

We also offer these convenient services with your Visa credit card account:

Online Credit Card Access

If you can connect to the web, you can also access your Harvester Financial VISA account. Check your account balance, view any transactions that have posted to your VISA account since the last statement, view pending transactions, set up credit card alerts (Member Alerts), view your VISA statements if you have e-Statements, pay your credit card bill, and more.

Click here to view your accounts using Online Banking.

If this is your first time accessing your account online, you must enroll under the Credit Cards tab After you have enrolled, you must simply remember your screen name and password, and you can access your account on an ongoing basis!

Member Alerts (Credit Card Alerts)

Set custom text message or email alerts when your card is used. You can set up alerts for your HFCU credit card through Member Alerts. You can choose alerts such as purchases over a selected amount, card not present (phone or online purchases), international transactions, declined transactions, and more!

Automatic Payments/Transfers
The payments on your loan accounts at Harvester Financial CU can be electronically withdrawn from your Harvester Financial CU checking or savings account and applied to your designated loan or credit card account.
This service helps prevent unauthorized purchases before they even happen. 

Prime Rate as of 06/14/2018 is 5.00%

Credit Card Rates

Rates Current as of: 07/14/2018
DescriptionTerm DescriptionAPR* as low as
Visa PlatinumVariable10.40%; 3.90% six month intro rate
Visa GoldVariable11.40% APR
Visa ClassicVariable14.40% APR

*APR is Annual Percentage Rate. Please go to our Credit Cards page for more information. ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. After April 12, 2016 Your APR will vary with the market based on the Prime Rate.

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

Important Information
about Your HFCU Credit and Debit Cards

Please remember that Harvester Financial will never contact you via unsolicited email, text message or automated phone call and request personal and/or account information.

Before traveling, please call HFCU to ensure your Debit and Credit Cards are active for out-of-state transactions to avoid any inconvenience:

HFCU:  800.326.2279

After Hours: 800.289.5939

For lost or stolen cards: 800.449.7728 (24 hour)

Visa Travel Accident Disclosure

Important Notification about Visa® Account Updater:  Visa® Account Updater (VAU) automatically updates your card information with participating merchants and payment processors with which you have set up automatic payments, but it does not guarantee that every merchant participates. Everyone with a Visa® card is already opted in to this service. With VAU, your account files will be updated when your credit card information changes due to card expiration, loss or theft, account closures, and product upgrades. Changes in the cardholder's name and address are not included. It is not mandatory for merchants to participate and if you are unsure that a merchant participates, you will need to update your card information manually or you will need to call the merchant to see if they participate in VAU.

If you would like to opt out of this service, please contact 317.352.0455 and we will send you an opt-out form.

Apply Now

To apply online, please click below:

Apply Online

If you would like to print our loan application and send it to us via mail or fax:

Click Here - Loan Application

If applying for a credit card, please view the following important disclosures:


7020 Brookville Road
Indianapolis, IN 46239
PH: 317.352.0455
TF: 800.326.2279
FAX: 317.351.2351

Monday, Tuesday & Thursday:
8:00 a.m. – 5:00 p.m.

9:00 a.m. – 5:00 p.m.

8:00 a.m. – 5:30 p.m.

1220 Miller Avenue
Shelbyville, IN 46176
PH: 317.392.0811
TF: 800.366.5725
FAX: 317.392.0870

Monday, Tuesday & Thursday:
8:30 a.m. – 5:00 p.m.

9:00 a.m. – 5:00 p.m.

8:30 a.m. – 6:30 p.m.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
We are an Equal Housing Lender. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Harvester Financial Credit Union respects your privacy. Harvester Financial Credit Union is not responsible for, the product, service, or overall website content available at a third-party site.

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