HEFCU Credit Card Rates · October 2026

How HEFCU’s credit card rates compare

Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where HEFCU has the most branches. Ongoing purchase APR, lowest first.

88

Credit card score

Higher than 82% of U.S. banks and credit unions

By rate

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

Where HEFCU ranks

By credit card score, in each area where it has branches

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Subject to credit approval. Minimum payment is required.

Applies to	APR	Annual fee	Conditions
Ongoing	8.99%	None	Rates as low as 8.99% APR. Subject to credit approval. Minimum payment is required.

Sources (2)

All captured Oct 4, 2026

Subject to credit approval. Minimum payment is required.

Applies to	APR	Annual fee	Conditions
Ongoing	12.00%	None	Rates as low as 12.00% APR. Subject to credit approval. Minimum payment is required.

Sources (2)

All captured Oct 4, 2026

This may be incomplete or out of date, so check with the credit union before you apply.

Eligibility is open to employees whose employer offers HEFCU as a free employee benefit.
Personal Members of the New Jersey Hospital Association (NJHA) are eligible for membership upon approval by NJHA and remittance of a one-time, $15 non-refundable dues payment to NJHA.

Spouses, significant others, children, parents, siblings, grandparents, or individuals living in the same household of an eligible person are eligible to join, whether that person becomes a member or not.

A one-time, $15 non-refundable membership dues payment made payable to NJHA is required for those joining via NJHA Personal Membership.
An initial deposit of at least $5 into a Primary Savings account is required to establish HEFCU membership.

Membership information collected October 5, 2026.