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
With our Visa® Platinum Card, you can either choose if you want a Points based card (Rewards based) or a Cash Back card.
Visa® Platinum Card 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 and you'll earn 500 points on your first purchase.
- Intro APR: 3.9% for 6 months
- 1 point = $1
- 500 points after your first purchase
To visit Member Choice Rewards today, please click below:
Visa® Platinum Cash Back Card
Earn cash back on everyday purchases. You don't need to choose your categories or make sure that you are enrolled before you start earning.
- Intro APR: 3.9% for 6 months
- $0 - $1000 = .25%
- $1000 - $2500 = .50%
- $2500 and above = 1%
To see how this card stacks up against the competition, click here.
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.
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!
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 03/16/2017 is 4.00%
Credit Card RatesRates Current as of: 05/01/2017
|Description||Term Description||APR* as low as|
|Visa Platinum||Variable||9.40%; 3.90% six month intro rate|
|Visa Gold||Variable||10.40% APR|
|Visa Classic||Variable||13.40% 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 http://www.consumerfinance.gov/learnmore.
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:
After Hours: 800.289.5939
For lost or stolen cards: 800.449.7728 (24 hour)
For members that use Online Banking, click below to apply:
For non-members or members that do not have Online Banking, please click below to apply:
If you would like to print our loan application and send it to us via mail or fax:
If applying for a credit card, please view the following important disclosures: