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Woman and Man holding a credit card

Enjoy the world around you with the purchasing power of a stress-free credit card from HHCU! Our Visa credit cards contain no hidden fees, zero fine-print frustrations and countless other benefits designed to help you save cash:
  • Excellent interest rates 
  • No annual fee
  • No balance transfer fee
  • No additional card fee
  • 25-day grace period on purchase interest
  • No cash advance fee
  • No returned payment fee

So go ahead and ditch the tricks and traps associated with your other credit cards and instead take advantage of the card that puts YOUR best interests first.

Apply Now

Transfer credit card balances

Transfer your high-rate credit card balances to our low-rate Visa Card with no balance transfer fee to save your hard-earned money.  

Transfer Balances Now


Receive Real-Time Visa Alerts

Now you can monitor your Visa Credit card account easier and faster. To receive Visa Purchase Alerts, cardholders can sign up at

Visa Alerts are just one more what Hoosier Hills Credit Union and Visa can help protect your credit card account. 


One app to control all your debit and credit cards.

Our new CardValet® app lets you control all of your credit and debit cards. Save time and gain peace of mind knowing you can control the cards in your wallet with your phone in your pocket. 

  • Get real-time notifications when your card is used. 
  • Restrict transactions to a certain area using your phone's GPS.
  • Set security preferences to match your spending habits for every credit and debit card. 
  • Set spending limits for every transaction. 
  • Enable or disable your cards to be used within certain merchant categories such as gas and groceries, hotel and travel. 
  • Lock and unlock cards with a few taps on your smartphone.‚Äč

How to sign up:

Download CardValet from Google Play™ or the App Store to:

  • Turn your debit and credit cards on or off from your smartphones
  • Sign up for alerts based on transaction amount, location, merchant type, etc.
  • Set limits for spending - great for parents or employers
  • And set other features

For more information please visit

Truth in Lending Disclosure
Annual Percentage Rate (APR) for Purchases

Platinum - 7.9%

Gold - 12.9%

Classic - 15.9%

based on your credit worthiness
APR for Balance Transfers Platinum - 7.9%
Gold - 12.9%
Classic - 15.9%
APR for Cash Advances Platinum - 7.9%
Gold - 12.9%
Classic - 15.9%
How to Avoid Paying Interest on Purchases You have at least 25 days after the close of each statement period to pay your balance in full without being charged interest. There is no grace period for balance transfers and cash advances.
Minimum Interest Charge None
Method of Computing the Balance for Purchases We use a method called average daily balance (including current transactions).
Maintenance and Set-up Fees
NOTICE: Some of these set-up and maintenance fees may be assessed before you begin using your card and will reduce the amount of credit you initially have available.
Annual Fee None
Additional Card Fee None
Transaction Fees
Balance Transfer Fee None
Cash Advance None
Penalty Fees
Late Payment Fee Up to $15 assessed ten (10) days after due date.
Returned Payment Fee None

Balance Buyout Coming Soon!

Official Balance Buyout Rules

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