Our Own Visa® Platinum Credit Card
Our Own VISA Platinum Credit Cards just keep getting better!
- 1.99% APR on balance transfers for existing account holders.*
- 2.99% APR on balance transfers for 12 months on new accounts**
- Reverts to a customized low rate
- No annual fee
- No balance transfer fee
- Great rewards with our Visa® Platinum Rewards credit card
- Chip technology for enhanced security
Our Own Visa® Platinum Credit Cards are just that – our own. While most cards are issued and serviced by credit card giants, Holyoke Credit Union personally issues and services its own Visa® Platinum credit cards. By doing so, we provide our members with greater flexibility in terms of credit worthiness, rates, and terms. At Holyoke Credit Union, we take pride in our ability to offer an affordable card to our members – even those with a challenging credit situation.
*Existing account holders are those accounts opened before 01-01-2020. Offer good an balance transfers made from January 1, 2020 - March 31, 2020. The rate remain until 01-2021 statement cycle.
**Balance transfers must be completed within the first 90 days of account opening. Only accounts opened on/after 01-01-2020 will qualify. The rate will remain for 365 days from the first qualifying transaction.
Holyoke Credit Union Visa® Platinum Credit Cards.
Choose the one that is right for you!
2.99% APR on Balance Transfers
|Annual Percentage Rate as low as||9.45% APR*||11.45% APR*|
|No Annual Fee|
|No Penalty Rate Increase for Late Payment|
|No Balance Transfer Fee|
|Gift Card Redemption|
|Online Card Application and Management|
*Your APR (Annual Percentage Rate) is based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly.
Member Loyalty Rewards
This rewards program applies only to members using the Our Own VISA® Platinum Rewards Credit Card. The following points will be rewarded once the cardholder has spent $1,000 on their rewards credit card within three months of the card being issued. Points expire after 60 months.
(Times per year)
(monthly, annually, one-time)
|Just for Opening a New Card!||1||10,000||One-time|
|New Checking Account||1||10,000||One-time|
|Direct Deposit to Checking||12||200||Monthly|
|Dollars on Deposit Per (1,000)||12||10||Monthly|
|New Unsecured Loan||1||5,000||One-time|
|New First Mortgage||1||20,000||One-time|
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