As a reminder HAPO will be closed in observance of Martin Luther King Jr. Day on Monday, January 20, 2020. As always, you will have access to Online and Mobile Banking, as well as access to 30,000+ surcharge-free ATMs nationwide.

Visa Balance Transfer Special

Rates as low as 2.99% APR* 

Let us help you knock out debt with a low rate Balance Transfer. Now for a limited time you can get locked into a rate for as low as 2.99% APR* until February 2021.

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.
  • Call 1-866-820-6805 to request the balance transfer anytime, 24 hours a day.
  • Click to apply if you are not a HAPO member!

Apply Today!

Cardholder Benefits

  • Rates as low as 2.99% APR*
  • Promo rate locked until February 2021
  • New and trendy card designs
  • No annual fee
  • No balance transfer fee
  • Get it in minutes
  • Instant Issue (Walk in and walk out of any HAPO location with a NEW HAPO VISA)
  • Visa eStatements
  • Receive Visa Transaction Alerts
  • Fraud Monitoring

*2.99% Promo APR (Annual Percentage Rate) is valid for balance transfers processed between 01/15/20 and 02/29/20.  Qualifying balances transferred during this period will be held at the promotional APR until February 2021. After the promotional period ends, the remaining promotional balance will return to a variable APR (WSJ Prime +5% - 18%). 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 if credit score is 650 or above. Standard card APR applies for scores 649 and below. Purchases, cash advances, and transfers of any loan balances already held by HAPO will carry your card’s standard APR. Payments are applied as outlined in the VISA Account Agreement. Promo rate excludes Commercial and Heloc card types. Federally insured by NCUA. To request more information, contact a HAPO representative at 800-284-4276 (Toll Free); mailing address 601 Williams BLVD. Richland, WA, 99354.

Visa Account Terms and Conditions

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchase Transactions Prime + 5.00% to Prime + 14.75% APR Platinum Low Rate*
Prime + 8.00% to Prime + 16.75% APR Platinum Cash Back *
Prime + 7.25% to Prime + 14.75% APR Signature Visa*
18.00% APR Shared Secured
Annual Percentage Rate (APR) for Cash Transactions Prime + 5.00% to Prime + 14.75% APR Platinum Low Rate*
Prime + 8.00% to Prime + 16.75% APR Platinum Cash Back *
Prime + 7.25% to Prime + 14.75% APR Signature Visa*
18.00% APR Shared Secured
Annual Percentage Rate (APR) for Balance Transfers Prime + 5.00% to Prime + 14.75% APR Platinum Low Rate*
Unless eligible for lower rate when available
Prime + 8.00% to Prime + 16.75% APR Platinum Cash Back*
Unless eligible for lower rate when available
Prime + 7.25% to Prime + 14.75% APR Signature Visa*
Unless eligible for lower rate when available
18.00% APR Share Secured
How to Avoid Paying Interest You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed.
Paying Interest Finance charges accrue on cash advances, balance transfers, and convenience checks from the transaction date until they are paid in full.
Delinquency You 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 18.00%. Upon default, if six consecutive payments are made on time, the default rate will be removed and previous APR will resume.
Billing Error Rights For information about your right to dispute transactions, please refer to section 16 of the Account Agreement.
For Credit Card Tips from the Federal Reserve Board To 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 Balance Average Daily Balance Method.
Fees
Annual Membership Fee NONE
Cash Advance Fee NONE
Balance Transfer Fee NONE
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.

*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