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VISA EMERALD CARD

Whether you are at the local grocery store or out on an island vacation, VISA cards give you the purchasing power you need when you need it. The credit union offers several great Emerald choices for you and your business: VISA Platinum Rate, Visa Gold Rate, VISA Classic Rate, and VISA Corporate Platinum.

VISA Balance Transfer Form

 How long will it take to pay off my credit card?

VISA Platinum Rate

The VISA Platinum rate card is a great choice if you are looking for a low rate, the ability to earn rewards for your purchases and many more benefits. Our VISA Platinum card offers members CHOICE REWARDS, a reward program specially designed to reward members for their VISA usage. With the Choice Rewards Program you earn 1 point for every dollar purchase. Rewards include airline tickets, hotel and other assorted travel discounts, merchandise, account credit and more. The ANNUAL PERCENTAGE RATE for our Visa Platinum is Prime+4%. It is equal to Four Percent (4.0%) over the PRIME RATE. Apply now by clicking the launch button to the right.
Click Here To View Your Heritage Family Credit Union Emerald Visa Rewards.

Use your card at participating retailers & earn bonus points to redeem for great rewards!  Visit Choice Rewards & click on the “Earn More Rewards” link for a full list of participating retailers & details.


Additional Benefits:
$250,000 Common Carrier Travel Insurance
Automobile Rental Insurance
Warranty Manager Service
Travel Assistance
Legal and Medical Referrals 

Click here or the "Launch" button to the right for a printable application. 


VISA Gold Rate

The VISA Gold rate card offers a generous credit limit with a low fixed APR as well as many other great benefits including the ability to earn rewards for your purchases. and a fixed low rate of 9.99% APR, you will be hard pressed to find a better card. Come in to see one of our Financial Services Representatives and see if you qualify. Credit limits are determined on a per member basis by the Loan Department. Apply now by clicking the launch button to the right.

Click Here To View Your Heritage Family Credit Union Emerald Visa Rewards.

Use your card at participating retailers & earn bonus points to redeem for great rewards!   Visit Choice Rewards & click on the “Earn More Rewards” link for a full list of participating retailers & details.


Additional Benefits:
$250,000 Common Carrier Travel Insurance
Automobile Rental Insurance
Warranty Manager Service
Travel Assistance
Legal and Medical Referrals 


Click here or the "Launch" button to the right for a printable application.

VISA Classic Rate

The VISA Classic rate card is an ideal first card for students, a young couple or someone trying to establish credit, the Visa Classic credit card is an ideal first card. Visa Classic is simple, flexible, and recognized worldwide. Use Visa Classic for all of your everyday needs. We offer two options for the VISA Classic card. One with no annual fee and an interest rate of 13.99% APR, this is an exceptional value. We also offer the Visa Classic at 11.99% APR with an annual fee of $15.00. Either way, you’re going to love the benefits  including the ability to earn rewards for your purchases.  Credit limits are determined on a per member basis by the Loan Department. Apply now by clicking the launch button to the right.

Click Here To View Your Heritage Family Credit Union Emerald Visa Rewards.

Use your card at participating retailers & earn bonus points to redeem for great rewards!  Visit Choice Rewards & click on the “Earn More Rewards” link for a full list of participating retailers & details.


Additional Benefits:
$250,000 Common Carrier Travel Insurance
Automobile Rental Insurance
Warranty Manager Service
Travel Assistance
Legal and Medical Referrals

Click here or the "Launch" button to the right for a printable application.

VISA card rates and features:

VISA PLATINUM VISA GOLD VISA CLASSIC
Prime Rate + 4% 9.99% APR 13.90% APR
No Annual Fee No Annual Fee No Annual Fee
or
11.90% APR
$15 Annual Fee
Credit Limit Credit Limit Credit Limit
$5,000 - $15,000 $5,000 - $15,000 $500 - $5,000
Travel Insurance Travel Insurance Travel Insurance
$250,000 $250,000 $150,000


Visa Brochure: Auto Rental, Travel Services, Warranty

Visa Brochure: Travel Accident Insurance

Verified by Visa - Sign up on line for a "free and easy" way to enjoy added security for all online Visa card purchases.

Click Here For Verified by VISA

verified by visa logo 



Auto Rental Insurance - eliminates the need for cardholders to pay for the collision damage waiver or similar provision provided by the commercial auto rental agencies on most passenger vehicles- saving you as much as $13 per day in insurance costs.

Warranty Manager Service - Offers you a number of valuable features including warranty registration and Extended Warranty Protection, all available with a simple toll-free telephone call. Warranty Manager's registration service helps you take full advantage of your warranties, because you get key information about your coverage with a single call.

Travel & Emergency Assistance - Help is as close as the nearest phone when you don't know where to turn. Call 800.992.6029 any hour day or night. If you are outside the US, call 0.804.673.1675.

Accident Insurance - Contact the Visa Department for further details.
Common Carrier Travel Insurance - Members have peace of mind knowing they have free travel and accident insurance coverage on common carrier ticket.

MyCardInfo - For our members convenience, MyCardInfo gives you access all of your credit card information online from a secure site. You can obtain balances, make your payment and obtain other card information...all with the click of your mouse. In addition, payments may be made at both credit union offices in person, by mail or a transfer can be authorized from a share or sharedraft account via the call center at 888.252.8932.

General Credit Card Information:
Statements: You receive a monthly statement of charges usually by the 5th of each month for Classic and the 15th for Gold and Platinum.
Minimum Payment: Payments are calculated at 3% of current balance. However, the minimum payment on a Classic card is $10.00 and on a Platinum or Gold card is $50.00
PIN Numbers: Call 1 888 891-2435 to request a PIN. A PIN is needed when obtaining cash advances at ATM machines.
Grace Period: There is a 25 Day Grace Period on purchases only.
Cash Advances: Cash Advances may be made at any financial institution displaying the VISA logo, or at thousands of ATMs world-wide. There is a Cash Advance Fee of 3% for each cash advance, No Fee for balance transfers. Other networks do charge transaction fees.
Lost or Stolen: Now you can call and report lost or stolen cards after credit union hours. No more having to wait until the next day or until Monday. If your HFCU card(s) are lost or stolen, you can call 888.849.6046. An after Hours Hot-Line is available to you for reporting lost or stolen cards and obtaining account information. Call toll-free - 800.234.5354
Liability for Unauthorized Use: Cardholders who report loss, theft or unauthorized use of cards within two business days from the time it was discovered, will have $0 liability. For Cardholders who report loss, theft or unauthorized use after the two day period, the maximum liability will be $50.

*Travel Insurance Information

DESCRIPTION OF COVERAGE FROM
BANKERS LIFE AND CASUALTY COMPANY
Chicago, Illinois
(Herein called the Company)
A Blanket Accident Policy has been issued to the Policyholder shown below. Certain terms of the policy are recited in this Description of Coverage Form.

POLICYHOLDER: TRAVEL ACCIDENT CREDIT CARD TRUST POLICY NO. SR 83,385
INSURED PERSON: All "Persons" as described below.
"Person" shall mean you or dependent (as defined): "Member" shall mean any individual who is a resident of the United States of America or Canada and is issued a "Visa Gold Card" by a bank, banking institution, bankcard association or any entity participating in the Travel Accident Credit Card Trust Common Carrier Accident Insurance Plan. "Dependent" shall mean each Dependent of the Member as defined below:
1. The Spouse. 2. Each dependent child of the eligible member under twenty-five (25) years of age. Stepchild and legally adopted child shall also be included in the definition of Dependent.
If coverage of a Dependent Child would terminate solely due to attainment of the limiting age, the attainment of such limiting age shall not operate to terminate the coverage of such dependent while such dependent is and continues to be both (a) incapable of self-sustaining employment by reason of mental retardation or physical handicap and (b) chiefly dependent upon the member for support and maintenance.

BENEFITS FOR ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE:
The limit of coverage for an insured Person whose coverage has become effective shall be $250,000.00 Principal Sum.
In no event will duplicate or multiple Visa Cards obligate the Company in excess of $250,000.00 per Insured Person.

DEFINITION OF INJURY

"Injury" shall mean bodily injury caused solely by an accident which occurs while the policy is in force and while the Person sustaining such injury is insured under the policy and which results directly and independently of all other causes in a loss covered by the policy provided such injury is sustained during a one-way or round trip taken by the Insured Person between the Point of Departure and the Destination (both as designated in the Insured Person's ticket) on or after the date of ticket purchase, provided, however such injury is sustained under the circumstances specified in 1 or 2 as follows:
1. Such injury received while riding as a passenger, and not as a pilot or crew member, in or boarding or alighting from or being struck by any air, land or water conveyance operated under a license for the transportation of passengers for hire; provided the fare for such travel has been charged to a Visa Gold Card.
2. Such injury received while riding as a passenger in a common carrier (a vehicle licensed to carry passengers for hire) but only (a) when going directly to an airport, bus, train or ship terminal for the purpose of boarding such aircraft, bus, train or ship (for which fare has been previously charged to Visa Gold Card) on which the Insured Person is covered by the policy; or (b) when leaving an airport, bus, train or ship terminal after alighting from such aircraft, bus, train or ship.

ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

If a Person, while insured, sustains an injury which results in one of the following losses WITHIN 365 DAYS OF THE DATE OF THE ACCIDENT, the Company will pay for
- Loss of: Life, both hands or both feet, one hand and one foot, the entire sight of both eyes, speech and hearing, or the entire sight of one eye and one hand or one foot -----Principal Sum
- Loss of: One hand or one for, the entire sight of one eye, or loss of speech or hearing -----One-Half the Principal Sum
- Speech or hearing -----One-Quarter the Principal Sum
Indemnity payable under this provision will not be paid under any circumstances for more than one of the losses, the greatest, sustained by the Person as the result of any one injury.
"Loss," used with reference to hand or foot, means complete severance through or above the wrist of ankle joint, as used with reference to hand or for, means complete severance through or above the wrist or ankle joint, as used with reference to eye, means irrecoverable loss of the entire sight thereof, as used with reference to speech and hearing means entire and irrecoverable and, as used with reference to thumb and index finger, means complete severance through or above metacarpophalangeal joints.

EXPOSURE AND DISAPPEARANCE

If by reason of an accident covered by the policy a Person shall be unavoidably exposed to the elements and as the result of such exposure shall suffer a loss for which indemnity is otherwise payable hereunder, such loss will be covered under the terms of the policy.
If the body of a Person has not been found within 6 months after the date of disappearance as the result of the sinking or wrecking of a vehicle in which the Person was riding at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the person suffered loss of life resulting from bodily injury caused solely by an accident.

BENEFICIARY

The amount payable by reason of the accidental death of you shall be paid to the beneficiary or beneficiaries designated in writing by the Member, if any, which designation is received by the Company before payment of claim. If no written beneficiary designation is effective, the amount payable shall be paid in equal amounts to the first surviving class of survivors:

AS RESPECTS THE MEMBER: (a) spouse; (b) children, including legally adopted children; (c) parents; (d) brothers and sisters; or (e) executor or administrator.

AS RESPECTS DEPENDENTS: (a) member or (b) first surviving class of survivors shown for member. All other indemnities are payable to the Insured Person suffering the loss.

EXCLUSIONS

The Policy does not cover loss caused by or resulting from: (1) suicide of self-destruction or any attempt thereat, while sane or insane (in Missouri while sane); or (2) declared or undeclared war or any act thereof. TERMINATION DATE. The insurance of any Person insured hereunder shall terminate at the earliest time indicated below:
1. The premium due date following the date of termination of the policy; or
2. The date he/she is no longer an eligible Member of Dependent as defined for insurance under the policy; or
3. The date ending the period for which the last premium payment is made for insurance under the policy.

NOTICE AND PROOF OF CLAIM

Written notice of injury upon which claim may be based must be given to the Company within thirty days of the date of injury. Notice given by or in behalf of the Person sustaining the loss to the Company at its Home Office/Group and Special Risk Division location at 222 Merchandise Mart Plaza, Chicago, Illinois 60654-2011 or to any authorized agent of the Company, with particulars sufficient to identify the Person shall be deemed to be notice to the Company. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity of the Person sustaining the loss, later than one year from the time proof is otherwise required.

PHYSICAL EXAMINATION AND AUTOPSY

The Company, at its own expense, shall have the right and opportunity to examine the person of any Person whose injury is the basis of claim when and as often as it may reasonably require during the pendency of claim hereunder, and to make an autopsy, including disinterment if necessary, in case of death where it is not forbidden by law.
All periods of time under the policy begin and end at the address of the Policyholder.

VISA Merchant Services

In addition to these convenient locations, the Credit Union's ATM card is accepted at the following networks: NYCE, PLUS, PULSE, STAR and COOP.

Credit cards are a staple in consumer society today. The ability for your business to process credit card transactions will help you increase revenue and satisfy your customers' needs. The Credit Union offers credit card processing with free analysis for discount pricing. We will help you determine your needs, help you quickly set up your program and provide ongoing maintenance and enhancement services. This service provides the most advanced and reliable equipment available for processing bankcards, ATM/Debit cards, check guarantee and business-to-business authorizations.

For more information on our Merchant Services, contact Karen Garrow at 802.776.2124, Amanda Moore at 802.776.2133.

 
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