VISA® Credit Cards
Through HFCU’s partnership with Elan Financial Services, we are pleased to provide robust credit card options tailored to fit your needs. Whether for you or for your business, we have your credit card needs covered. As an added bonus, we are pleased to provide you the opportunity to earn rewards with many of our credit card options.
Get To Know Your Credit Score
Nearly half of Americans don’t know their credit score. Did you know that a good credit score saves you money whenever you take out a loan, mortgage or credit card? Good credit means you can borrow money at lower rates and lower your monthly payment. You can also negotiate better prices on cars and buy a home with less hassle.
Worried that you may not have the best credit? Miss a few payments or max out a credit card? No worries. Heritage Financial Credit Union can help! We have budgeting tools, counseling and advice to help you build your score and help you succeed in timely bill paying and budgeting your money.
Stop in at any of our branch locations for a credit score evaluation!
VISA® Credit Card FAQ
You can call Elan Financial Services 24/7 Customer Support at 1-800-558-3424. For business card support, call 1-866-552-8855. If needed, you can always call HFCU with your credit card questions at 845-561-5607 and we will do our best to answer any questions you have.
The servicer of your account has been changed from HFCU to Elan Financial Services. This partnership was developed to provide members more opportunities to take advantage of with robust credit card offerings.
If you previously had a card with HFCU, you should receive a new credit card with new terms and conditions in the mail prior to 10/31/23.
With this change you will be able to take advantage of:
- Exceptional Value – Enjoy the financial freedom you desire, with the added benefit of no annual fee.
- Continued Superior Service – Responsive, helpful, and prompt service is available 24 hours a day, 7 days a week when you contact Cardmember Service.
- Online Access – view statements and receive free online business reporting through the Scoreboard reporting tool.
- Reliable Fraud Protection – You’re protected from fraudulent use of your card or account information, so you won’t be held responsible for any unauthorized purchases. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Cardmember Service promptly of any unauthorized use. Certain conditions and limitations may apply.
Certain cards have an annual fee. To check if your card has an annual fee, you can call Elan Financial Services 24/7 Customer Support at 1-800-558-3424. For business card support, call 1-866-552-8855.
You can call Cardmember Service 24/7 at the number on the back of your new card to apply for a credit line increase at any time.
Your rates and all applicable disclosures are provided to you in the mail with your new credit card. Should you have any questions, we ask that you call our 24-hour Cardmember Service Department at 1-800-242-4271. For business cards, please call 1-866-552-8855.
You may pay your monthly bill by:
-Set Up AutoPay via Online Account Access or Mobile App Access
–Pay Online via Online Account Access or Mobile App Access
–Pay by Phone
–Pay by Mail
– Cash Payments can be made at your Local Branch
Once you receive your new credit card, you will receive more information about enrolling in these payment options.
If you pay by mail, you can send your payments to the address below.
PO Box 790408
Earth City, MO 63045
If you have not received your new card, please call Elan Financial Services 24/7 Customer Support at 1-800-558-3424. For business card support, call 1-866-552-8855. You will follow the same process to update your PIN.
Credit card rates are applied differently through Elan than they previously were with HFCU. As a result, your rate was updated according to Elan Financial Services structure.
For more information pertaining to your cards disclsoures, statements rates and more, please call Elan Financial Services 24/7 Customer Support at 1-800-558-3424. For business card support, call 1-866-552-8855.