HAPO Community Credit Union - Serving the Tri-Cities and Beyond
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Online VISA Application Requirements
 

Online VISA Application Requirements

View our VISA Account Agreement.

  • Applicant must be the Primary Member on the Account
  • Applicant must be a U.S. Resident and reside within the United States
If the above criteria are not met, please contact your branch directly.
Credit information will be obtained from all applicants.

HAPO Community Credit Union VISA
Account Terms and Conditions

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchase TransactionsPrime + 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 TransactionsPrime + 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 TransfersPrime + 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 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 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 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 FeeNONE
Balance Transfer FeeNONE
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
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HAPO
601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676