Credit Cards

Visa® Credit Cards will live with you on your journey through life. Take advantage of our low interest rates, travel with no foreign exchange fees, and earn rewards just by using your card for your daily needs all the way to your grand moments! Best of all, there are no annual fees so it doesn’t even cost a thing!

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RATES

CLASSIC PRODUCT FEATURES:

  • Double the points for all travel merchants (i.e., travel agents, airlines, hotels, cruise lines, bus lines and rental cars)
  • Double the points for all gasoline merchants
  • Earn 1 point for each $1 spent on purchases – may be redeemed for travel and merchandise
  • No conversion fee for international travel use
  • EMV Chip Technology
  • World Wide Automatic Travel Accident Insurance: $200,000 for primary cardholder and $300 Baggage Benefit
  • Travel and emergency assistance
  • Auto Rental Collision Damage Waiver Program
  • Roadside dispatch
  • No fee cash advances

SHARE SECURED PRODUCT FEATURES:

  • Secured on your regular share
  • Maximum credit limit cannot exceed available regular shares
  • No conversion fee for international travel use
  • EMV chip technology
  • World Wide Automatic Travel Accident Insurance: $200,000 for primary cardholder and $300 Baggage Benefit
  • Travel and emergency assistance
  • Auto Rental Collision Damage Waiver Program
  • Roadside dispatch
  • No fee cash advances

GOLD PRODUCT FEATURES:

  • Same as Classic, and also includes:
  • World Wide Automatic Travel Accident Insurance: $500,000 for primary cardholder and $300 Baggage Benefit
  • Warranty manager service

PLATINUM PRODUCT FEATURES:

  • Same as Gold, and also includes:
  • World Wide Automatic Travel Accident Insurance: $1,000,000 for Cardholder, $500,000 for Spouse, $50,000 for Dependent Child, $300 Baggage Benefit
  • Lost luggage reimbursement
  • Emergency medical and dental coverage

 

Fraud Alerts

If HOCU suspects suspicious activity on your credit charges you may experience a block or declined card. To ensure your credit card is properly working while traveling, please notify HOCU prior to your trip. Simply contact us at 808-777-5646 to place a travel notification on your card.

Credit Reports

It is recommended to check your credit report bi-yearly, that way you can address any discrepancies or errors. To obtain a free credit report visit www.annualcreditreport.com.