VISA Debit Cards

Using your VISA Debit Card is easier than writing a check. The Credit Union does not assess any fees in conjunction with the use of your VISA Debit Card transactions, unless your balance goes below $0.

VISA Debit Card Benefits

  • No need to carry checks or cash
  • Use anywhere VISA cards are accepted
  • Directly withdrawn from your checking account
  • A huge network of ATMs available
  • Receive cash back from point of sale transactions directly into your checking account
  • No transaction fees
  • No fees unless your account goes below $0

Our new program benefits our members in the following ways:

All VISA debit cards will earn points with purchases made through our Hercules Rewards Program:

  • 1 point for every dollar spent on credit card purchases.
  • 1 point for every two dollars spent on debit card purchases that you sign for.
  • 1 point for every three dollars spent on debit card purchases using your PIN number.

Download the mobile application “CardNav” to add the security of controlling all aspects of your VISA Card. With “CardNav” get control over your debit and credit card usage in a way you’ve never had before.

Download the app from “Google Play” or “Apple Store” to your mobile phone today.*

  • Real-time spending alerts
  • Enable or disable types of transactions
  • Set location boundaries
  • Set spending limits
  • Complete card control

 

*This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

If your VISA card is lost or stolen, please call 1-800-754-4128 immediately to prevent fraud, 24 Hrs / 7 Days/Week.

Hercules is now offering you VISA Secure. VISA Secure puts you in control when shopping online–only you can approve purchases using your private password. 

*If you are traveling and plan to use your VISA card in a different state or country, please contact the credit union at 801-968-9011 to ensure that your VISA card will work properly while you are traveling. Please allow 3 business days for this to take effect.

VISA Credit Cards

By now we’ve all heard the “sage” advice to stay out of debt. However, since we’re all using VISA cards these days, follow this “smart” advice to use the card allows you to earn one reward point for every dollar you spend.

VISA Credit Card Benefits

  • Fixed 9.95% Annual Percentage Rate
  • EMV Chip Secured
  • CardNav Protection – Control credit card use and spending, in real time via smartphone or tablet.
  • Hercules Rewards Points
  • No annual fees
  • No hidden service fees
  • Instant Issue – Replace a broken, cracked, lost or stolen card instantly
  • Transfer the balance of your current credit card to Hercules First Federal Credit Union and receive a low introductory rate of 1.99% APR* for the first 6 months.* (The rate will adjust to our regular rate of 9.95% APR after 6 months.)

Not only does our VISA card have a terrific rate and terms, but the Rewards Program allows you to get rewards points every time you use it. The travel rewards will soon have you taking your dream vacation.

Our new program benefits our members in the following ways:

All VISA credit cards will earn points with purchases made through our Hercules Rewards Program:

  • 1 point for every dollar spent on credit card purchases.
  • 1 point for every two dollars spent on debit card purchases that you sign for.
  • 1 point for every three dollars spent on debit card purchases using your PIN number.

Download the mobile application “CardNav” to add the security of controlling all aspects of your VISA Card. With “CardNav” get control over your debit and credit card usage in a way you’ve never had before.

Download the app from “Google Play” or “Apple Store” to your mobile phone today.*

  • Real-time spending alerts
  • Enable or disable types of transactions
  • Set location boundaries
  • Set spending limits
  • Complete card control

 

*This link will transfer you to a site operated by one of our associates. This site is not operated by Hercules Credit Union and may have different privacy and security policies. If you choose to continue please review their policies once you arrive. Hercules Credit Union cannot be responsible for the content or activity of this site.

VISA is the most universally accepted credit card in the world. Even if you don’t maintain a monthly balance on a VISA Credit Card, it is nearly impossible to live in our world today without one. You will find the Credit Union’s rates, fees and credit lines to be the most competitive anywhere.

If your VISA card is lost or stolen, please call 1-800-754-4128 immediately to prevent fraud, 24 Hrs / 7 Days/Week.

*If you are traveling and plan to use your VISA card in a different state or country, please contact the credit union at 801-968-9011 to ensure that your VISA card will work properly while you are traveling. Please allow 3 business days for this to take effect.

VISA Credit Card Rates

TypeF/VTermAPR*
VISA PlatinumFixedN/A9.95%

Rates current as of:

December 5, 2021

*Annual Percentage Rate. On approved credit. Membership required-based on eligibility. A 1% foreign transaction fee may apply.