Heritage Federal Credit Union My Preferred Visa | Consumer Financial Protection Bureau

County-by-county

Availability

To apply, you must live in certain counties in Illinois, Indiana, and Kentucky

Eligibility requirements

Heritage FCU membership
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

heritagefederal.org

Phone

(800) 858-1693

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

12%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	12%	1 dollar sign symbol Pay less interest
720+	12%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

1.75% for 6 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: 1% of each purchase
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: The lesser of $25.00 or the amount of the minimum payment due.
Over-limit fee: None
Returned Payment: $30 (Fee for a payment that is returned unpaid. Fee is the lesser of $30.00 or the required minimum payment amount.)
Overdraft Transfer: $5 (Fee for each time the card is used for overdraft protection on a share draft account.)
Receipt Copy: $15 (Fee for each copy of a receipt requested.)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Debt cancellation coverage

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Card Controls

Balance transfer interest rate and fees

0%*

+

4% ($10 minimum)

Balance transfer fee details: Up to 4% for each transfer, with a minimum of $10.00.

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

12%*

+

2% ($10 minimum)

Cash advance fee details: Up to 2% for each advance, with a minimum of $10.00. Fee waived when obtained inside one of our branch locations.

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.