Credit union · NCUA insured
HAPO Community Credit Union Credit Card Rates
HAPO Community Credit Union credit cards start at 14.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How HAPO Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Kennewick, WA, where HAPO Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HAPO Community Credit Union
14.00%APR
- Up to
- 23.75% APR
HAPO Visa Low Rate
Lowest rate
ICCU
11.49%APR
- Up to
- 24.00% APR
2nd-lowest rate
Numerica Credit Union
11.99%APR
- Up to
- 20.99% APR
HAPO Community Credit Union credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR14.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HAPO Community Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
HAPO Visa Cash Back Card
Variable APR based on Prime Rate and credit score (Prime + 10.00% to Prime + 18.75% for purchases; Prime + 13.00% to Prime + 21.75% for cash advances and balance transfers). 25-day grace period on purchases. Initial card print free; replacement card $5.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.75% | None | Currently as low as 16.75% APR. Variable rate based on Prime Rate and credit score. Revolving term. |
Sources (3)
- hapo.org/loans/consumer/auto-rates
- hapo.org/personal/visa/instant-issue-platinum-visa
- hapo.org/personal/visa/visa-balance-transfers
All captured Oct 4, 2026
HAPO Visa Low Rate
Variable APR based on Prime Rate and credit score (Prime + 7.00% to Prime + 16.75% for purchases; Prime + 10.00% to Prime + 19.75% for cash advances and balance transfers). 25-day grace period on purchases. Initial card print free; replacement card $5.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00% | None | Currently as low as 14.00% APR (Prime + 7.00% to Prime + 16.75% APR). Variable rate based on Prime Rate and credit score. Revolving term. |
Sources (3)
- hapo.org/personal/visa/low-rate-visa
- hapo.org/loans/loan-rates
- hapo.org/personal/visa/visa-balance-transfers
All captured Oct 22, 2026
HAPO Visa Share Secured
110% of limit secured by an account. Credit limits available up to $15,000. 25-day grace period on purchases. Initial card print free; replacement card $5.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 22.99% | None | Fixed 22.99% APR for purchase transactions. Revolving term. |
Sources (3)
- hapo.org/loans/loan-rates
- hapo.org/personal/visa/share-secured-visa
- hapo.org/personal/visa/visa-balance-transfers
All captured Oct 22, 2026
HAPO Visa Youth Credit Card
Must be 16 years of age, have verifiable employment, have a qualifying parent/guardian co-signer, and complete two Live Now courses ('Using Credit Cards Responsibly' and 'Understanding Credit Reports and Scores'). Credit line limits $300 to $1,000. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed 18.00% APR for purchase transactions. Revolving term. |
Sources (3)
- hapo.org/loans/loan-rates
- hapo.org/personal/visa/visa-balance-transfers
- hapo.org/personal/visa/youth-visa-credit-card
All captured Oct 22, 2026
Who can join HAPO Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.