We offer a VISA® Credit Card with a limit between $500 and $10,000. There are no cash advance fees and the interest rate is the same for both advances and purchases. There is a 25-day grace period for purchases. Interest accrues immediately on cash advances.
Have no or low credit? The Secured option can rebuild your credit history by pledging funds in a dividend earning share account to establish a credit limit. The share-secured card can be used anywhere the regular VISA® card is accepted. The minimum credit limit is $500 and the maximum is $10,000.
At HUD FCU, there are no annual fees, no balance transfer fees and no cash advance fee!
Our credit cards come with $250,000 travel accident insurance, $5,000 identity theft protection, an auto rental collision damage waiver, and roadside dispatch.
Use your card anywhere VISA® is accepted worldwide! Plus manage your account through online banking or our cardholder inquiry service.
APR = Annual Percentage Rate. You can avoid paying interest on your changes if you pay our entire balance by the due date each month. For Balance Transfers, a rate as low as 9.90% APR will be in effect. Rates and terms are subject to change and may vary based on creditworthiness and qualifications. To learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau. For additional, information or assistance, please call us at 202-863-2800 option 3.
*APRs shown are for members with excellent credit and may reflect rate discounts for additional credit union services. Your APR may be higher and is determined by our normal underwriting guidelines. Credit Card rates start at 9.90% fixed rate initially but are subject to change. Balance transfer promotion ends May 31, 2019 - 5.99% APR for 18 months. After that, 9.90% applies.
Rate information is accurate as of April 1, 2018. Rates are subject to change. Method of computing is average daily balance including new purchases. There may be fees or additional costs associated with the use of the credit card. Members may contact us to request specific information about the costs.