Last Updated: 07/28/2025
HFS Federal Credit Union Visa Signature® Credit Card
Unaffiliated
in Credit Cards from HFS Federal Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15% - 18%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
15% - 18%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
$0
HFS Federal Credit Union Visa Signature® Credit Card Review
This is a rewards card issued by HFS Federal Credit Union. If you're wondering whether HFS Federal Credit Union Visa Signature® Credit Card is the right card for you, read on.
Key Takeaways
- APRs: HFS Federal Credit Union Visa Signature® Credit Card has a variable regular purchase APR that ranges from 15% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of HFS Federal Credit Union Visa
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HFS Federal Credit Union Visa FAQ
Does HFS Federal Credit Union Visa have a cash back or rewards program?
HFS Federal Credit Union Visa is a rewards card.
| Description |
Does HFS Federal Credit Union Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does HFS Federal Credit Union Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the HFS Federal Credit Union Visa benefits?
HFS Federal Credit Union Visa Signature® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for HFS Federal Credit Union Visa?
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.HFS Federal Credit Union Visa Signature® Credit Card has a variable purchase APR that ranges from 15% up to 18%. The card has a variable balance transfer APR that ranges from 15% up to 18%. It also has a variable cash advance APR that ranges from 15% up to 18%.
Does HFS Federal Credit Union Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of 12 months.
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| Balance Transfer APR | 15% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does HFS Federal Credit Union Visa 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 HFS Federal Credit Union Visa?
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| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for HFS Federal Credit Union Visa?
The customer service number for HFS Federal Credit Union Visa is (800) 216-2666.
What is the support contact email for HFS Federal Credit Union Visa?
The support contact email for HFS Federal Credit Union Visa is hfs_operations@hfsfcu.org.
What is the login page for HFS Federal Credit Union Visa?
You can access the login page of HFS Federal Credit Union Visa here.
How do people rate the customer service and user experience of HFS Federal Credit Union Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HFS Federal Credit Union Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, HFS Federal Credit Union Visa Signature® 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 HFS Federal Credit Union perform a hard credit pull?
Yes, HFS Federal Credit Union Visa 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 HFS Federal Credit Union Visa
- Visit the website of HFS Federal Credit Union Visa.
- 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.
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