Visa Classic

VISA® Classic Card

Classic Visa® is our standard credit card. The low credit limit makes it ideal for students establishing credit or for those who want a basic credit card.

  • Credit limits range from $100 to $25,000

  • Low interest rate

  • Up to $200,000 in Common Carrier Travel Insurance

Your credit limit will be determined by Hughes. Balance Transfers/cash advances accrue interest from the date of transaction with no grace period.

Rates › Apply Now › Calculators ›

Now offering Apple Pay™!  HFCU-ApplePay-Use-Step1-AP

 A safe, convenient, and easy way to pay with your Hughes credit or debit card! Hundreds of thousands of retailers accept Apple Pay and the list is growing daily! Learn more >

Effective July 1, 2015

Interest Rates and Interest Charges

Platinum Credit Card

Annual Percentage Rate (APR) for purchases, balance transfers and cash advances

9.50% APR

Based on creditworthiness

Gold Credit Card

Annual Percentage Rate (APR) for purchases, balance transfers and cash advances

11.95% APR

Based on creditworthiness

Classic Credit Card

Annual Percentage Rate (APR) for purchases, balance transfers and cash advances

12.50% APR

Based on creditworthiness

Penalty APR when it applies

16.99% APR

This APR may be applied to your account if you make a late payment for two (2) consecutive months.

How Long Will the Penalty APR Apply: If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

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 of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge


For Credit Card Tips from the Consumer Financial Protection Board (CFPB)

To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Board's website.



Annual Fee


Transaction Fees  

Balance Transfer


Cash Advance


Foreign Transaction

1% of each transaction in U.S. dollars

Penalty Fees  

Late Payment

Up to $30

Over the Credit Limit

Up to $20

Returned Payment

Up to $30

Other Fees  

Card Replacement


 Pay by Phone


Pull and Rush Fee


Convenience Check Fees

$10 for each returned check


$7.50 for each stop payment


$7.50 for each check copy

How We Will Calculate Your Balance: We will use a method called "average daily balance" (includes new purchases). See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Apple, Apple Pay and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.


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