HAPO Community Credit Union - Serving the Tri-Cities and Beyond
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HAPO Signature Visa

Share Secured Visa

The Share Secured Visa credit card is an ideal first card because of its simplicity, flexibility, and worldwide recognition. Whether you’re a student, a young couple, or someone trying to establish credit, apply now for the convenience of owning a Visa card.

For securing hotel reservations, buying textbooks online, or making everyday purchases, a Share Secured Visa card, like any other Visa card, offers an easy and reliable form of payment recognized by more than 28 million merchants around the globe. Along with Visa’s universal acceptance, you receive the benefits of lost or stolen card reporting and Zero Liability*, Visa’s fraud protection guarantee.


  • 110% of limit will be secured by an account

Some of the benefits include:

  • Cash advance at millions of ATMs
  • Limits available up to $15,000
  • No annual fee

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.

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 display
  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 enrolment

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 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.

Visa Transaction Alerts

Choose to receive text or email notices when your credit card is used. Know what is happening on your account, all the time! Click on your Visa card number from Online Banking, and enroll in Visa Transaction Alerts in your Online Options menu today.

Fraud Monitoring

HAPO's fraud monitoring team detects and notifies you of any unusual card activity to help prevent fraud.

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!

*Certain restrictions, limitations and exclusions apply.

Lost/Stolen Card Reporting*

Enjoy peace of mind 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 disable (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!

Rebuilding Your Credit

Don't think you will qualify for a Share Secured HAPO Visa?

We want to help you achieve success and help you get back on track making better financial decisions. Click here to Learn more about how to build your credit.

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

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