Emerald VISA Balance Transfer








































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

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. 

VISA Cards
Our VISA cards give the purchasing power you need. We offer several great Emerald card choices for you and your business.
Locations
Whatever your financial needs, day or night, you have access to your account information to help you meet your demanding lifestyle. From our branches, apps and call center we are here in Vermont and New Hampshire to serve you wherever you are.