HAPO Visa® Low Rate

Build credit at a low rate

The HAPO Visa Low Rate card offers a great low rate without sacrificing the benefits. Get a rate as low as Prime + 5.00% APR* and still get great benefits like Instant Issue, Fraud Monitoring, Debt Protection and more.

Apply for your HAPO Visa Low Rate card today and keep your purchasing power at a better rate.

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

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HAPO Visa Cards Benefits:

Instant Issue Cards

At HAPO, meeting your needs in an instant is important to us. That is why we offer instant issue debit and credit cards. Visit any of our financial centers during regular business hours and we can print a new card for you on the spot—instantly! Best of all, it is another service HAPO offers you for FREE!*

Contact HAPO for details and exclusions that may apply.

*Initial card prints at account opening are free. Replacement cards are assessed a $5.00 fee upon printing

Visa eStatements: Experience the ultimate in convenience

Receiving your statement electronically is faster, more secure, and more environmentally friendly than receiving paper statements. Enroll today!

  1. Log in to your account in HAPO's Online Banking
  2. Click on your Visa card number from your Online Banking
  3. Add and verify your email
  4. Select the "Go Paperless" option from the Quick Links menu
  5. Then follow the prompts on the screen to set up your Visa eStatement enrollment

Member Alerts

Choose to receive text or email notices when your credit card is used and know what is happening on your account all the time! To receive transaction alerts from Online Banking, click on Additional Services> Credit Card> Communications and enroll in Visa Transaction Alerts today. To receive member alerts from Online Banking, click on More, Credit Card Activity, choose the card account, Quick Links and Member Alerts to get real-time info about your card, payment due dates, block or allow international transactions and more.

You can also download the HAPO Visa App to manage your credit cards all from one place!

Put your photo on your personalized HAPO Visa

Now you can personalize your HAPO credit card. Have your favorite digital photo printed on the front of your card and let your personality shine through. All you need to get started is a HAPO Visa Card, a digital picture and online account access.

Get more info on personalizing your HAPO Visa.

Auto Rental Insurance

Enjoy 24-hour coverage for damage due to collision or theft up to the actual cash value of most rental vehicles, at no additional cost to you. Visa Auto Rental Insurance reimburses you for the repair or replacement of covered losses to your rental vehicle when certain terms and conditions are met.

View full disclosure.

Travel Accident and Baggage Delay Insurance

Travel with ease knowing that you and your family are protected when you purchase your entire travel ticket with your Visa card. The Visa Travel Accident program provides Visa Platinum cardholders and eligible family members with a minimum of $100,000 automatic Common Carrier Accidental Death & Dismemberment coverage.

Receive reimbursement of up to $100 per day for three days in the event of a baggage delay during travel.

View full disclosure.

Fraud Monitoring

HAPO's fraud monitoring team detects and notifies you of any unusual card activity to help prevent fraud. Sign up for Fraud Alerts and block or unblock your card in real time. From Online Banking, click on More, Credit Card Activity, choose the card account, Communications and Fraud Alerts today. 

Zero Liability

Use your Visa card to shop online, in a store, or anywhere, and you're protected from unauthorized use of your card or account information. With Visa's Zero Liability policy, your liability for unauthorized transactions is $0-you pay nothing!

Lost/Stolen Card Reporting

Enjoy the comfort in knowing that if your Visa card is lost or stolen, assistance is only a phone call away through Visa's Lost/Stolen Card Reporting service. Call 800-449-7728 anytime, 24 hours a day to report theft or fraud.

Emergency Cash & Card

Experience peace of mind 24 hours a day, seven days a week knowing that Visa has you covered through Visa Emergency Cash & Card.

Debt Protection** 

We have you covered!

  • Pays off or reduces your loan balance in the event of death
  • Pays your loan payment for up to 6 months if you are disabled (begins 30-days after disability)
  • Defers your loan payment up to 3 months if you become unemployed
  • Defers your loan payment up to 3 months for Family Medical Leave
  • Easily added to your current loan
  • Instant coverage 90-days after signing your loan
  • Joint protection available. You choose the coverage that is right for you!

**Must meet all Debt Protection Plan Agreement terms to qualify.

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Visa Agreement

For new Visa cards