Hapo Community Credit UnionHAPO Visa® Low RateRegistry illustration · issuer artwork unavailable

HAPO Visa® Low RateHapo Community Credit Union · state credit union, OR · NCUA 68239

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer websiteFiled as “VISA Low Rate Platinum”

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No Annual Fee

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No Annual FeeHAPO COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Annual Fee”HAPO COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Other fees	$5, *Initial card prints at account opening are free. Replacement cards are assessed a $5.00 fee upon printing.HAPO COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“*Initial card prints at account opening are free. Replacement cards are assessed a $5.00 fee upon printing.”HAPO COMMUNITY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

visa-account-agreementpage 1 of 6

Member Name:

Interest Rate and Interest Charges

Annual Percentage Rate (APR) For Purchases VISA Low Rate Platinum:

______

After that Your APR will be: with the market based on the Prime Rate.

___

VISA Share Secured:

______

After that Your APR will be:

VISA Signature:

____

After that Your APR will be: the market based on the Prime Rate.

VISA Dress For Success:

___

VISA Youth:

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT

THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA LOW RATE PLATINUM, VISA SHARE SECURED, VISA SIGNATURE, VISA DRESS FOR SUCCESS, VISA YOUTH AND VISA CASH BACK AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA LOW RATE PLATINUM, VISA SHARE SECURED, VISA SIGNATURE, VISA DRESS FOR SUCCESS, VISA YOUTH AND/OR VISA CASH BACK CREDIT CARD, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Account Number:

Application Number:

% Introductory APR for 6 months.

. This APR will change

% Introductory APR for 6 months.

____%

__%

Introductory APR for 6 months.

____% .

This APR will change with

After that Your APR will be:

VISA Cash Back:

After that Your APR will be: the market based on the Prime Rate.

VISA Low Rate Platinum:

_____

Introductory APR for 6 months.

____

_ _%

_____%

Introductory APR for 6 months.

_____% .

This APR will change with

___% Introductory APR for 12 months.

After that, Your APR will be ____ ____% . This APR will change with the market based on the Prime Rate.

VISA Share Secured:

After that, Your APR will be

VISA Signature:

_______% Introductory APR for 12 months.

______% .

_______% Introductory APR for 12 months.

After that, Your APR will be __ ______% . This APR will change with the market based on the Prime Rate.

VISA Dress For Success:

VISA Youth:

VISA Cash Back:

After that, Your APR will be market based on the Prime Rate.

_____%

_______% Introductory APR for 12 months.

______% . This APR will change with the

______%

SEE PAGE 2 For More Important Information Regarding Your Account

___

APR For Balance Transfers

1 2 3 4 5 6No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

HAPO COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a0fcf426eb9c4449e854a8dfed0e086f3ede9dea1d8ea027bdce739ec672251e
“No Annual Fee”
Open source link ↗
HAPO COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a0fcf426eb9c4449e854a8dfed0e086f3ede9dea1d8ea027bdce739ec672251e
“*Initial card prints at account opening are free. Replacement cards are assessed a $5.00 fee upon printing.”
Open source link ↗
HAPO COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a0fcf426eb9c4449e854a8dfed0e086f3ede9dea1d8ea027bdce739ec672251e
“The HAPO Visa Low Rate card offers a great low rate without sacrificing the benefits. Get a rate as low as Prime + 7.00% APR”
Additional source detail; structured values remain unknown. Prime + 7.00% is a stated rate formula without an absolute numeric APR or transaction purpose; no numeric purchase APR can be derived.
Open source link ↗
HAPO COMMUNITY
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a0fcf426eb9c4449e854a8dfed0e086f3ede9dea1d8ea027bdce739ec672251e
“HAPO Visa”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Replacement card fee

Offered through: Hapo Community Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68239
Branches: 26 in OR, WA
Sources: Official issuer · 1 document · 0 pages cited

Documents

visa-account-agreementeffective date not parsedName declaration: VISA Low Rate Platinum · page 3

HAPO Visa® Low RateHapo Community Credit Union · state credit union, OR · NCUA 68239

Rates and fees