Home Equity Visa

VISA Balance Transfer

Now's the Time! 

Balance transfer to a HAPO VISA credit card for as low as 1.99% APR* for 16 months now until November 15, 2017!

Additional Perks:

  • Rates as low as 1.99%*
  • Receive this rate until your January 2019 billing statement
  • No Annual Fee
  • No Balance Transfer Fee 
  • Get it in Minutes!

We make it quick and easy to Balance Transfer:

  • Transfer your high rate balances directly to HAPO through online banking.
  • 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 1-866-820-3867 to request the balance transfer anytime, 24 hours a day.

Or, apply for a VISA credit card and balance transfer right now.


Things you should know:
*1.99% APR (Annual Percentage Rate) is valid for balance transfers processed between September 11, 2017 and November 15, 2017 on credit scores 650 and above. After your January 2019 billing statement, you will be charged the standard rate for your card at that time. Your standard APR may vary with changes to the Prime Rate. We calculate your APR by adding a “margin” to the Prime Rate.  Purchases, cash advances, and transfers of any loan or card balances already held by HAPO will carry your card’s standard APR. Your minimum payment due will be applied to promotional rate balances with any excess being applied to the balance with the highest APR. Pending credit approval.  Federally Insured by NCUA.

Once you Balance Transfer, your card will have these additional benefits, including:

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 eTeller
  2. Click on your VISA card number from your eTeller 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

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 your HAPO eTeller, and enroll in Visa Transaction Alerts in your Online Options menu today.

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 eTeller 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.

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 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 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.