Last Updated: 07/28/2025
HAPO Community Credit Union Visa Low Rate Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
HAPO Community Credit Union Visa Low Rate Credit Card Review
This is a card issued by HAPO Community Credit Union. If you're wondering whether HAPO Community Credit Union Visa Low Rate Credit Card is the right card for you, read on.
Key Takeaways
- APRs: HAPO Community Credit Union Visa Low Rate Credit Card has a variable regular purchase APR that ranges from 12.50% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of HAPO Community Credit Union Visa Low Rate Credit Card
| The Good | The Bad |
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HAPO Community Credit Union Visa Low Rate Credit Card FAQ
Does HAPO Community Credit Union Visa Low Rate Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for HAPO Community Credit Union Visa Low Rate Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.HAPO Community Credit Union Visa Low Rate Credit Card has a variable purchase APR that ranges from 12.50% up to 18%. The card has a variable balance transfer APR that ranges from 12.50% up to 18%. It also has a variable cash advance APR that ranges from 12.50% up to 18%.
Does HAPO Community Credit Union Visa Low Rate Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does HAPO Community Credit Union Visa Low Rate Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for HAPO Community Credit Union Visa Low Rate Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $25 . What is the customer service phone number for HAPO Community Credit Union Visa Low Rate Credit Card?
The customer service number for HAPO Community Credit Union Visa Low Rate Credit Card is (800) 284-4276.
What is the support contact email for HAPO Community Credit Union Visa Low Rate Credit Card?
The support contact email for HAPO Community Credit Union Visa Low Rate Credit Card is haponews@hapo.org.
How do people rate the customer service and user experience of HAPO Community Credit Union Visa Low Rate Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HAPO Community Credit Union Visa Low Rate Credit Card report your account activity to credit bureaus?
Yes, HAPO Community Credit Union Visa Low Rate Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does HAPO Community Credit Union perform a hard credit pull?
Yes, HAPO Community Credit Union Visa Low Rate Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for HAPO Community Credit Union Visa Low Rate Credit Card
- Visit the website of HAPO Community Credit Union Visa Low Rate Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
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Other Services by HAPO Community Credit Union
Other Credit Cards from HAPO Community Credit Union
Rating not yet determined
Purchase APR
14.75% - 18%
Disclaimer popup with additional information
Balance Transfer APR
14.75% - 18%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.50% - 18%
Disclaimer popup with additional information
Balance Transfer APR
15.50% - 18%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18%
Disclaimer popup with additional information
Balance Transfer APR
18%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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HAPO Community Credit Union Visa Low Rate Credit Card Community Reviews
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