Emerald VISA Balance Transfer

Current HFCU members may apply for a new Emerald VISA® Credit Card here.​

Download balance transfer application form for current HFCU Emerald VISA cardholders here.

Apply for a new HFCU Membership and an Emerald VISA Credit Card.

Bundle up your debt - Transfer your high interest credit card balance to an emerald visa today for a special, low, introductory rate for 18 months!

Introductory Rate of 3.99% APR* for 18 months then a standard variable rate of prime + 4% APR or fixed rate of 9.99-12.90% APR will apply - AND never pay any balance transfer fees!

* APR= Annual Percentage Rate. Rate good for 18 months from the date of transfer, after that, the normal APR will apply. Emerald Visa Card Rates are a standard variable prime + 4%  APR or fixed 9.99-12.90% APR, based on creditworthiness. The variable Annual Percentage Rate is calculated as the Prime rate as published in the Wall Street Journal plus 4%. No annual fees. The foreign transaction fee is 3% of the transaction in U.S. dollars. Certain restrictions apply.  Subject to credit approval. Rates, terms and conditions are subject to change.