Skip to main content

Emerald Visa® Card

Excited man holding credit card

It pays to pay with our card

Enjoy fantastic rewards with more than 6 million rewards in merchandise, travel, events, activities, gift cards, and statement credits! With CURewards, you earn 1 point for each $1 you spend on your Emerald Visa Card.

Access CURewards

shot of a young woman using a cellphone

Convenience at your fingertips

Manage your Emerald Visa account and make payments through eBranch, at an Interactive Teller Machine (ITM), over HFCUVT Video Branch, or in any of our branches! Set up card controls in eBranch to manage your spending and protect your card against fraud - you can even deactivate your card if it's lost, stolen, or not in use. Visa also offers cardholders peace of mind that you won't be held responsible for fraudulent charges made with your account info.

A woman shops online using her Emerald Visa® card.

The purchasing power you need

With an HFCU Emerald Visa, you never need to carry a minimum balance, and our cards are equipped with great features and benefits! Enjoy the same low non-variable Annual Percentage Rate (APR) 1  on all purchases - including cash advances. 

  • No Annual Fees
  • True 25-day grace period on all purchases
  • No rate increase if payment is late
  • Same low rates on all purchases, including cash advances
  • No fee balance transfer
  • FREE eBranch online banking access 2
  • FREE fraud protection
  • FREE eStatements
  • FREE Verified by Visa
  • FREE member service calls 24-Hours a day, 7 days a week

The Visa Gold rate card offers a generous credit limit, low non-variable Annual Percentage Rate (APR), and many other great benefits - including the ability to earn rewards for your purchases. With an interest rate of 9.99% APR, it's hard to find a better value card!

The Visa Classic rate card is an excellent choice for individuals seeking their first credit card. With no annual fee, a non-variable interest rate of 12.90% APR, great benefits, and CURewards - this card is the perfect solution for everyday spending!


1 To qualify for an Emerald Visa credit card, a member must meet underwriting requirements. APR (Annual Percentage Rate) based on creditworthiness. Certain restrictions apply. Rates, terms, and conditions are subject to change. Equal Opportunity Lender.

2 Carrier rates and data fees may apply when using the mobile app.