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Credit Cards

Our credit cards are made for the way you live, with worldwide convenience and lots of special features. With the powerful name of VISA in your wallet, backed by the personal service of Hoya Federal Credit Union, you just can’t go wrong!

All of our VISA Cards offer:

  • Competitive rates
  • The same low rate on purchases and cash advances
  • No cash advance fees
  • No annual fees
  • A 25-day grace period on purchases
  • No rate hikes for late payments
  • Cash advance capability from any VISA Network ATM

Hoya Platinum VISA

With exceptional benefits and valuable bonus points, our Platinum Card is a step (or two!) above the ordinary. This premier credit card provides:

  • Credit limits to $20,000
  • Bonus points with every purchase, redeemable for vacations, electronics, jewelry and more
  • No blackout date for travel rewards
  • Travel Accident Insurance up to $1 million
  • Discounts for hotels, rental cars and more
  • Auto rental insurance

Click here to view rates and disclosures for VISA Platinum Plus.

Hoya VISA Gold

Enjoy all the convenience you need, all day long, all year round! Our VISA Gold Card offers:

  • Credit limits to $15,000
  • A low fixed interest rate
  • Bonus points with every purchase, redeemable for vacations, electronics, jewelry and more
  • Auto Rental Insurance
  • Travel Accident Insurance up to $300,000
  • Emergency Card Replacement
  • Purchase Security

Click here to view rates and disclosures for VISA Gold.

Hoya VISA Classic

With credit limits starting at $500, a VISA Classic Card is a versatile financial tool. You can use it at millions of locations, with value-added features including:

  • A low fixed rate
  • Credit limits up to 10,000
  • Travel Accident Insurance up to $200,000
  • Auto Rental Insurance

Click here to view rates and disclosures for VISA Classic.

Hoya Secured VISA

If you need to establish or re-establish a good credit rating, don’t get burned by “teaser rate” offers! Our Secured VISA can help you build up your credit score step by step, with:

  • Credit limits from $500, backed by your share savings account
  • A very affordable, fixed rate
  • No sudden rate hikes or hidden fees

Click here to view rates and disclosures for Secured VISA.