Credit union · NCUA insured
Heritage Valley Federal Credit Union Credit Card Rates
Top CarrotHeritage Valley Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Heritage Valley Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near York, PA, where Heritage Valley Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Heritage Valley Federal Credit Union
10.90%APR
HV Platinum VISA
Lowest rate
New Cumberland Federal Credit Union
6.90%APR
2nd-lowest rate
AmeriChoice Federal Credit Union
8.90%APR
Heritage Valley Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Heritage Valley Federal 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.
HV Platinum VISA
Low fixed rate. No annual fees. No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Standard fixed rate as low as 10.90% APR. |
| Intro, 6 months | 2.99% | None | Balance transfer promotional rate for 6 months or 6 billing cycles. Balances must be transferred from non-Heritage Valley FCU Credit Cards. No balance transfer fees. After 6 months or 6 billing cycles, remaining transferred balance reverts to standard card rate. |
Sources (3)
- heritagevalleyfcu.org
- heritagevalleyfcu.org/credit-card-transfer
- heritagevalleyfcu.org/visa-credit-card
All captured Oct 6, 2026
Who can join Heritage Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the South Central PA counties of Adams, Cumberland, Dauphin, and York is eligible for membership.
Membership information collected October 5, 2026.