Skip Navigation

Credit Cards

 

Credit cards from HGECU

Credit cards from HGECU can help you finance short-term and long-term purchases. Balances are calculated based on the “Average Daily Balance” and includes new purchases.

Manage Your Card

 
 Freedom 1Freedom 2
APR Purchases10.00%

15.00%

APR for Cash Advances10.00%15.00%
APR for Balance Transfers10.00%15.00%
Transaction Fees1.00% of each multiple currency transaction in US dollars1.00% of each multiple currency transaction in US dollars
Foreign Transaction Fees0.80% of each multiple currency transaction in US dollars0.80% of each multiple currency transaction in US dollars
Penalty Fees

Up to $25 late payment fee

Up to $25 over-the-credit-limit fee

Up to $25 returned payment fee

Up to $25 late payment fee

Up to $25 over-the-credit-limit fee

Up to $25 returned payment fee

 

Avoid Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

Learn more about factors to consider when applying for or using a credit card visit the web site FederalReserve.gov.

Other penalties

  • Statement copy fee: $1.00

  • Document copy fee: $1.00

  • Rush fee: $50.00

  • Card replacement: $10.00

  • Pay-by-phone fee: $10.00

Contact

  • For credit card servicing, call 866-604-0380

  • If your card has been compromised, call 866-517-5561

 
Back to Top