Where do you credit union?

Belong to something better.

Take it from Debby. "It's easy, convenient, and I don't know...I just love the people there"

Join HAPO

Scroll

For Your Convenience

Get quick access to the services you’re looking for most.

Payments

Make payments with our web payment center.

Payments Your Way

Rates

Low rates for any of your financing needs.

current rates

Appointments

Setup an appointment with a HAPO team member.

Let's Meet

Home Loans

Low rates, flexible financing, and quick approvals.

Apply Today

Card Chooser

Not sure what credit card to choose? No problem.

Use our card choosing tool that asks you a few simple questions and recommends a card fits your spending habits. It only takes a few minutes.

Try Card Chooser

Improve your credit

With SavvyMoney you get your latest credit score and report, an understanding of key factors that impact the score, and special offers that can help reduce your interest costs.

See your score without hit
Simulate ways to improve your score
See available offers

Enroll Today

Dollars & Sense

A blog and podcast focused on financial topics from budgeting basics to fraud prevention.

Paying Off Debt

July 14, 2023

When is the Right Time for Your Teen’s First Credit Card?

By Jenifer Gateley

Introducing your teen to their first credit card is an important step in their financial journey. In this blog post, we'll discuss key factors to consider in determining the appropriate time for your teen's first credit card.