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Join HAPO
Join HAPO

Visa® Balance Transfers

Take Advantage of a Limited-Time Promo rate as low as 5.99% APR*

Let us help you knock out debt with a low rate Balance Transfer. You can transfer your high rate balances to HAPO's Instant Issue Visa by applying online. 

Either request a Balance Transfer through Online Banking or:

  • Bring in your balance transfer information to any HAPO location most convenient to you and we'll take care of the balance transfer for you OR
  • Call 1-866-820-6805 to request the balance transfer anytime, 24 hours a day.

We make it easy so you can get back to life.

Apply Today!

Cardholder Benefits

  • Low Rates
  • New and trendy card designs
  • No annual fee
  • Get it in minutes
  • Instant Issue (Walk in and walk out of any HAPO location with a NEW HAPO VISA)
  • Visa eStatements
  • HAPO Visa Card App
  • Fraud Monitoring
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*5.99% APR (Annual Percentage Rate) is valid for balance transfers processed between 01/15/2026 and 03/15/2026. Qualifying balances transferred during this period will be held at the promotional APR until the March 2027 billing cycle. After the promotional period ends, the remaining promotional balance will return to a variable APR (WSJ Prime +7% - 21.75%). Balance transfers are processed as Cash Advances and will accrue interest under “Cash Advance.” Cardholder is responsible for the outstanding balance at the receiving institution until payment is received in full. Promotional APR is valid for credit scores 720 and above. Credit score is only one factor used to determine eligibility. Approval and promotional rates are based on a review of your complete credit profile. Purchases, cash advances, and transfers of any loan balances already held by HAPO will carry your card’s standard APR. Balance transfers do not earn rewards; balance transfers must not exceed your credit line. Payments are applied as outlined in the VISA Account Agreement. Promo rate excludes Commercial, Youth and Heloc card types. HAPO to determine which credit scores qualify. Federally insured by NCUA.

Visa Account Terms and Conditions

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchase TransactionsPrime + 7.00% to Prime + 16.75% APR Platinum Low Rate*
Prime + 10.00% to Prime + 18.75% APR Platinum Cash Back *
22.99% APR Shared Secured
18.00% APR Youth Visa
Annual Percentage Rate (APR) for Cash TransactionsPrime + 10.00% to Prime + 19.75% APR Platinum Low Rate*
Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back *
22.99% APR Shared Secured
18.00% APR Youth Visa
Annual Percentage Rate (APR) for Balance TransfersPrime + 10.00% to Prime + 19.75% APR Platinum Low Rate*
Unless eligible for lower rate when available
Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back*
Unless eligible for lower rate when available
22.99% APR Share Secured
18.00% APR Youth Visa
How to Avoid Paying InterestYou have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed.
Paying InterestFinance charges accrue on cash advances, balance transfers, and convenience checks from the transaction date until they are paid in full.
DelinquencyYou will be in default if your account becomes more than two months past due. On the first day of the month following notice of default, your APR will be increased to 22.99%. Upon default, if six consecutive payments are made on time, the default rate will be removed and previous APR will resume.
Billing Error RightsFor information about your right to dispute transactions, please refer to section 16 of the Account Agreement.
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.
Method of Computing the BalanceAverage Daily Balance Method.
Fees
Annual Membership FeeNONE
Cash Advance Fee3% of each cash advance ($5.00 Minimum).
Balance Transfer Fee3% of each balance transfer ($5.00 Minimum).
Late Payment Fee$25.00 fee may be assessed for payments made later than the due date.
Returned Payment Fee$20.00 fee assessed for returned payments.
 Foreign Transaction Fee 2% of transaction (made in/merchants located in foreign country)

*This APR will vary with the market based on the Prime Rate as well as the credit score.

HAPO
601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676