Pay Down Your Balance or Consolidate Debt with a Lower Rate
Credit cards are a great way to finance a large purchase or take care of unexpected expenses. On the other hand, it's all too easy to accumulate credit card debt, and high interest rates can make it hard to pay off your balance. That's why we offer a low-rate credit card to help you get on top of your finances – and stay there.
Our Low Interest Credit Card offers an introductory rate of just 4.99% APR* on all purchases for six months after you open your account and 0% APR* on balance transfers for 12 months1.
Rate Saver Credit Card Details
The Rate Saver Credit Card is designed to help you save money while managing your finances with ease. Whether you’re consolidating debt, paying down balances, or planning new purchases, it offers cost-saving benefits, no annual fee, and the convenience of easy account management—all from your trusted local credit union.
- 4.99% Introductory APR for Purchases: Enjoy a low, fixed rate for the first six months after account opening.
- Competitive, Variable Rates: After six months, get a rate between 15.74% APR and 36.00% APR based on your credit.
- 0% APR Balance Transfer Offer: Pay no interest on your transferred balance for the first 12 months.
- No Annual Fee: We don't charge service or maintenance fees.
- Online and Mobile Banking: Access your account 24/7 and sync with your Mobile Wallet.
- Money Management: Get on top of your finances with our free online tool.
We’ve made it easy to access your credit card account. Whether you want to check your balance, review transactions or make payments, you can access it all directly through your HCCU Online Banking Account via Card Connect.
Simple Application Process for a Low Rate Credit Card
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Apply Online
Use our convenient, secure online portal to provide your details and select our Low Interest Rate Credit Card.
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Step
2
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Get Pre-Approved
We'll review your application and, if approved, offer you a credit limit and rate.
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Step
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Receive Your Card
Take advantage of our introductory offers to save on interest or transfer your balance.
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Get Started
Low Interest Credit Card FAQs
| What rate will I get for my low-rate credit card? |
Our low interest rate credit card has a low, fixed 4.99% intro APR offer on all purchases for the first six months after you open an account. After that six months, you will get a variable annual percentage rate (APR) based on your credit score, starting as low as 15.49% APR* and running as high as 36.00% APR.
To determine your rate, we typically review your credit report. You can talk to a financial advisor or a friendly member of our team to get tips on how to improve your credit score so you can get lower rates on credit cards and other loans. |
| How can I use a balance transfer to consolidate my debt? |
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If you have one or more credit cards with a high balance and a high-interest rate, you may be struggling to keep up with your monthly payments and pay down your balance.
A balance transfer lets you transfer one or more of your credit card balances from another credit card issuer to a new low rate credit card, often with a 0% introductory APR* for a certain number of months. You then have fewer monthly payments and more of your payment will go to paying down your balance instead of going to interest charges.
Tips for doing a credit card balance transfer:
- Get pre-approved to make sure you will qualify for a lower credit card interest rate than you have with your existing cards from other lenders.
- Check the introductory APR offer and try to pay off all or most of your transferred balance during that time. We offer a 0% intro APR for 12 months.
- Check the APR you will get after the intro period. We offer competitive rates on new purchases and balance transfers after 12 months, starting at 15.49%.
- Try to avoid using your new credit card to make new purchases so you don't add to your existing debt.
- Avoid using your old credit cards – otherwise you will simply have one more credit card to pay off instead of having fewer cards and payments.
Consider keeping your old accounts open with a zero balance to boost your credit score.
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| Are there any annual fees? |
| No — this card comes with no annual fee. |
| How does a balance transfer help consolidate debt? |
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Transferring high-interest balances to this low-rate card can reduce your interest burden. Tips include:
- Confirm you're pre-approved for a lower-rate card.
- Aim to pay off the balance during the 0% intro period.
- Avoid new purchases on the new card to focus on repayments on transferred debt.
- Keep old accounts open with zero balances to maintain a credit history.
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| Are there any fees beyond the annual fee? |
| Standard fees apply, including a 3% cash advance fee and up to 1% foreign transaction fee. |
*Annual Percentage Rate, see Pricing and Fee Details. View Disclosure. Rates and terms are subject to change without notice.
1 Other fees apply. Cash advance fee is 3.00% of the amount of each cash advance. Foreign transaction fee is up to 1% of each transaction in U.S. dollars.
Rates and terms are subject to change without notice. All loans are subject to credit approval.
Explore Borrowing Options
Explore our range of attractive checking accounts, all designed with flexible features and competitive rates. Visit our comparison page to find the card that is best for you.
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