Credit union · NCUA insured
Heritage Credit Union Credit Card Rates
Heritage Credit Union credit cards start at 10.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Heritage Credit Union’s credit card rates compare
Compared with banks and credit unions near Evansville, IN, where Heritage Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heritage Credit Union
10.50%APR
My Preferred Visa
Lowest rate
Sterling United FCU
9.50%APR
2nd-lowest rate
Liberty FCU
9.75%APR
Heritage Credit Union credit card score
81
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage 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.
My Choice Plus Visa
Subject to credit approval and underwriting standards. Variable APR based on the Prime Rate. Revolving with a 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.75% | None | Introductory rate for new consumer accounts on new purchases for the first 6 billing cycles. Variable APR between 10.50% and 18.00% thereafter. |
| Intro, 6 months | 0.00% | None | Introductory rate for new consumer accounts on balance transfers outside of the credit union (excludes Heritage FCU funds) for the first 6 billing cycles with no balance transfer fee. Variable APR between 10.50% and 18.00% thereafter. |
| Ongoing | 18.00% | None | Variable regular APR based on Prime Rate. Revolving with 25-day grace period. |
Sources (2)
- heritagefederal.org/personal-b…s/credit-card-loan-rates
- heritagefederal.org/personal-b…/heritage-credit-cards-2
All captured Oct 5, 2026
My Choice Visa
Subject to credit approval and underwriting standards. Variable APR based on the Prime Rate. Revolving with a 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.75% | None | Introductory rate for new consumer accounts on new purchases for the first 6 billing cycles. Variable APR between 10.50% and 18.00% thereafter. |
| Intro, 6 months | 0.00% | None | Introductory rate for new consumer accounts on balance transfers outside of the credit union (excludes Heritage FCU funds) for the first 6 billing cycles with no balance transfer fee. Variable APR between 10.50% and 18.00% thereafter. |
| Ongoing | 17.00% | None | Variable regular APR based on Prime Rate. Revolving with 25-day grace period. |
Sources (2)
- heritagefederal.org/personal-b…s/credit-card-loan-rates
- heritagefederal.org/personal-b…/heritage-credit-cards-2
All captured Oct 5, 2026
My Choice Visa Share Secured
Requires a security deposit into a Heritage primary share savings account equal to the credit limit (minimum $500), which will be held for the duration the card remains open. Variable APR based on the Prime Rate. Revolving with a 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.00% | None | Variable APR based on Prime Rate. Minimum $500 security deposit / credit limit. Revolving with 25-day grace period. |
Sources (2)
- heritagefederal.org/personal-b…s/credit-card-loan-rates
- heritagefederal.org/personal-b…/heritage-credit-cards-2
All captured Oct 5, 2026
My Preferred Plus Visa
Subject to credit approval and underwriting standards. Variable APR based on the Prime Rate. Revolving with a 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.75% | None | Introductory rate for new consumer accounts on new purchases for the first 6 billing cycles. Variable APR between 10.50% and 18.00% thereafter. |
| Intro, 6 months | 0.00% | None | Introductory rate for new consumer accounts on balance transfers outside of the credit union (excludes Heritage FCU funds) for the first 6 billing cycles with no balance transfer fee. Variable APR between 10.50% and 18.00% thereafter. |
| Ongoing | 12.00% | None | Variable regular APR based on Prime Rate. Revolving with 25-day grace period. |
Sources (2)
- heritagefederal.org/personal-b…s/credit-card-loan-rates
- heritagefederal.org/personal-b…/heritage-credit-cards-2
All captured Oct 5, 2026
My Preferred Visa
Subject to credit approval and underwriting standards. Variable APR based on the Prime Rate. Revolving with a 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.75% | None | Introductory rate for new consumer accounts on new purchases for the first 6 billing cycles. Variable APR between 10.50% and 18.00% thereafter. |
| Intro, 6 months | 0.00% | None | Introductory rate for new consumer accounts on balance transfers outside of the credit union (excludes Heritage FCU funds) for the first 6 billing cycles with no balance transfer fee. Variable APR between 10.50% and 18.00% thereafter. |
| Ongoing | 10.50% | None | Variable regular APR based on Prime Rate. Revolving with 25-day grace period. |
Sources (2)
- heritagefederal.org/personal-b…s/credit-card-loan-rates
- heritagefederal.org/personal-b…/heritage-credit-cards-2
All captured Oct 5, 2026
Who can join Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the designated field of membership counties across Indiana, Kentucky, and Illinois.
Employers and groups
- Membership is open to Heritage employees.
Family and household
- Membership is open to anyone who has an immediate family member who is a current member, or who resides in the same household as a current member of Heritage.
Other ways
- Business membership eligibility is limited to businesses located in field of membership counties.
Membership information collected October 5, 2026.