Houston Credit UnionVisa® Advantage SecuredRegistry illustration · issuer artwork unavailable

Visa® Advantage SecuredHouston Credit Union · federal credit union, SC · NCUA 14091

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · Visa · securedNetwork stated on issuer websiteFiled as “Visa Secured”

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Purchase APR

—

Balance transfer

2.99% for 6 billing cycles

no ongoing rate filed

Cash advance APR

—

Annual fee

No annual fee, balance transfer fees or cash advance fees

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first	2.99%HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfersintroductory rate first	2.99%HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
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 fee, balance transfer fees or cash advance feesHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fee, balance transfer fees or cash advance fees”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	$0, No annual fee, balance transfer fees or cash advance feesHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fee, balance transfer fees or cash advance fees”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	$0, No annual fee, balance transfer fees or cash advance feesHOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fee, balance transfer fees or cash advance fees”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Other APRsoutside the standard boxes	2.99%HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Introductory; Cash advance · Introductory; Purchase · Introductory	*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.”HOUSTON · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Credit Card Disclosure Website August 2019page 1 of 1

16320 Kensington Drive, Sugar Land, TX 77479 (281) 243-0500

www.houstonfcu.org

CREDIT CARD SOLICITATION DISCLOSURE

IF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION - The information provided in this disclosure is accurate as of _____________________. The information may have changed after that date. To find out what may have changed call us at 877-389-3480 or write us at 16320 Kensington Drive, Sugar Land, Texas 77479. Before we approve you for a credit card, we will review your credit report, and the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the Credit Card Agreement and Disclosure which will be sent to you with the new card(s). 3-18-2020

Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances · Visa Platinum Prime Lock - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 3.25% . This APR will vary with the market based on the Prime Rate. Visa Platinum Advantage/Visa Platinum Family - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 5.24% to 15.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 6.24% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured - 2.99% Introductory APR for 180 days from the issuance of the card. After that our APR will be 5.24% to 15.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Payments · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore Fees Annual Fee · $50.00 Visa Platinum Prime Lock Only Transaction Fees Cash Advance & Balance Transfers Foreign Transactions · None 1.00% of each transaction U.S. Dollars Penalty Fees Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee · Up to $15.00 Up to $15.00 Up to $30.00

How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new purchases)'. Variable Rates. Purchase, Cash Advances and Balance Transfer APRs are based on the Prime Rate (Index) to which we add a margin based on your creditworthiness. For Visa Platinum Advantage/Visa Platinum Family & Visa Secured accounts, the applicable margins range from 1.99% to 12.99%. For Platinum Reward accounts, the applicable margins range from 2.99% to 12.99%. The rate for the Visa Platinum Prime Lock is variable and adjusts with the Prime Rate. No margins are added to the Prime Rate for the Visa Platinum Prime Lock.

Late Payment Fee: Return Payment Fee:

Other Disclosures:

Statement Copy Fee:

If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee, up to $30.00 for each item returned.

Document Copy Fee: Rush Fee:

If your payment is ten (10) or more days late, you will be charged up to $ 15.00.

$ 2.00

$ 5.00

$27.50

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS

The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent (as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty member of the military or a dependent.

NOTICE: federal law provides important protections to members of the armed forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). You may call toll-free 844-351-8387 to receive oral disclosures.

Call To Report Lost or Stolen Visa® Credit Cards and Visa® CheckCard Call 1-800-682-6075 Available 24 hours a day, 7 days a week.

Call To Report Transaction Dispute

Visa® Credit Cards and Visa® CheckCard Call 1-866-OUR-HFCU (1-866-687-4328) Available Monday through Friday 8:30 a.m. - 4:30 p.m. OR

Refer to the back of your Visa® monthly statement

To Protect Your Billing Rights: Disputes need to be reported in writing detailing all pertinent information within 60 days from the receipt of the first statement when the error was discovered.

1No 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.

HOUSTON
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d400cba63946930f257829f5ca2a125756829c8d52bdcf704821ea9ad3cfc292
“*APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided when you become a cardholder.”
Open source link ↗
HOUSTON
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d400cba63946930f257829f5ca2a125756829c8d52bdcf704821ea9ad3cfc292
“No annual fee, balance transfer fees or cash advance fees”
Open source link ↗
HOUSTON
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d400cba63946930f257829f5ca2a125756829c8d52bdcf704821ea9ad3cfc292
“Visa® Advantage Secured”
Open source link ↗
HOUSTON
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d400cba63946930f257829f5ca2a125756829c8d52bdcf704821ea9ad3cfc292
“Card secured with deposits in an HFCU Regular Savings account”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Cash advance APR, Cash advance fee, Purchase APR

Offered through: Houston Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 14091
Branches: 12 in SC, TX
Sources: Official issuer · 1 document · 0 pages cited

Documents

Credit Card Disclosure Website August 2019effective date not parsedName declaration: Visa Secured · page 1

Visa® Advantage SecuredHouston Credit Union · federal credit union, SC · NCUA 14091

Rates and fees