Smart Spending, Merry Saving
Experience the festive season with the confidence that comes from using your trusted low-interest Heritage Valley FCU Credit Card.

While others may be navigating high interest rates on store credit cards, you can enjoy the peace of mind that comes with our consistently low rates. Whether you’re treating loved ones to special gifts or taking advantage of holiday sales, your Heritage Valley FCU Credit Card ensures that you’re making the most of your holiday budget.
Whether you use our HV Visa credit card for everyday expenses, larger investments, or credit building, this is the perfect card for you.
- Low Fixed Rate
- 2.99% apr* Balance Transfer Rate
- No Balance Transfer Fees
- No Annual Fee
* APR= Annual Percentage Rate.
National Average Source: CreditCards.com, as of October 11, 2023.
Comparative rates sourced from market study of national retailer’s credit card terms & conditions
2.99% Annual Percentage Rate balance transfer offer for 6 months or 6 billing cycles. After the 6 months or 6 billing cycles have ended, your credit card’s remaining transferred balance will revert back to the standard card rate. Additional limitations, terms, and conditions may apply. Balances must be transferred from non-Heritage Valley FCU Credit Cards.