Compare our Credit Cards

Compare credit cards and choose the one that's best for you.

Our credit card comparison table offers a simple way to compare credit cards so you can apply for the right card to meet your financial needs. Heritage Community Credit Union has you covered, whether you want to boost your purchasing power and earn rewards, pay down your balance, or build your credit score.

Simple Application Process for HCCU Credit Cards

Step

1

Apply Online

Use our convenient, secure online portal to provide your details and select the card you want.

Step

2

Get Pre-Approved

We'll review your application and, if approved, offer you a credit limit and rate.

Step

3

Receive Your Card

Start using your preferred card to achieve your unique financial goals.

 

 

 

Credit Cards Comparison FAQ

What is the best way to compare credit cards?
  • If you plan to use your card regularly to buy everything from groceries to gas, then you should consider a Platinum Rewards Credit Card that lets you earn points on all purchases and get rewards like cash back, gift cards, merchandise, and more.
  • If you want a travel rewards credit card, then you can also select our Platinum Rewards Credit Card and then redeem your points for flights, hotels, rental cars, and more.
  • If you want a streamlined card to make occasional purchases, you could choose our Rate Saver Credit Card so you reduce your cost of borrowing and stay debt-free.
  • Both these cards are good options if you have a high balance on a card from another lender and you want to transfer the balance to a new card with a lower interest rate. You can take advantage of our offer of 0% APR for 12 months.
  • If you need to establish a credit history or have bad credit, the best option is likely our Credit Builder Credit Card, also known as our Classic Secured Credit Card, because you'll get a fixed rate that isn't based on your current credit score.
 

HCCU cards offer a few different features when it comes to rates. Here's what you need to know:

  • Our Platinum Rewards Card and Rate Saver Card both offer a fixed introductory rate of 4.99% APR on all purchases for the first six months after opening an account as a handy sign-up bonus.
  • After six months, Platinum Rewards cardholders will get a variable APR starting between 17.24% and 36.00 APR%, and Rate Saver cardholders will get a variable APR starting between 15.74% and 36.00% APR; your rate will then go up and down with market rates.
  • Your starting rate will be determined by your credit score and people with excellent credit get the lowest rates.
  • If approved for our Classic Secured Card, you will get a fixed APR of 15.24%.

*Annual Percentage Rate, see Pricing and Fee Details. View Disclosure. Rates and terms are subject to change without notice.

1 Other fees apply. Cash advance fee is 3.00% of the amount of each cash advance. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.

2To qualify for the 10,000 bonus rewards points, a total of at least $1,500 in net purchases (purchases minus returns/credits) must be posted to your account within 3 months from the date your account is opened. Cash advances and balance transfers do not apply for this offer and may affect the credit line available for this offer.

Rates and terms are subject to change without notice. All loans are subject to credit approval. 

Resources to Get the Most Out of Your Credit Card

It's easy to pull out your card and pay for goods and services, and it's just as easy to manage your accounts and make payments. Our resources offer quick links to access your account and explore our convenient payment options so you can maintain a great credit score and access all the financing you need.

Credit Card Management

We’ve made it easy to access your credit card account. Whether you want to redeem your points, check your balance, review transactions or make payments, you can access it all directly through your HCCU Online Banking Account or log in from here.

Learn More

Credit Card Payments

HCCU offers a range of ways for you to make payments on your credit card. You can access your account online, call 916.364.1700 during business hours, or stop by one of our branch locations. 

Learn More

Contact Us

Find a Branch