Visa® Credit Cards

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You have a choice when it comes to finding the right credit card.

Our Visa® Platinum credit card has a credit limit up to $30,000, no annual fee, and one rate for purchases, cash advances, and balance transfers. Most credit cards companies charge a percentage when transferring balances to their card, as much as 1-4% of the total amount transferred. At HVFCU you can perform unlimited balance transfers, fee-free, which could translate into hundreds of dollars in savings.

Featured Rates

Platinum 11.25%
variable APR as low as
Platinum Rewards 12.25%
variable APR as low as

Mount Saint Mary College Visa Platinum Credit Card

  • Show Your MSMC Pride

    Mount Saint Mary College has an exclusive partnership with HVFCU to offer a special Visa Platinum credit card just for MSMC alumni. The card offers all the great benefits of a regular Visa Platinum with two important distinctions. The card design features a photograph of the iconic Whittaker Hall steeple along with the college’s logo. In addition, with every card issued, a donation is made to the Mount’s Annual Fund.

    Carrying HVFCU’s Mount Saint Mary Alumni Visa card lets you show your school pride and support the Annual Fund, all while enjoying the great benefits that come standard with an HVFCU Visa Platinum.

    Apply today for your card.

Our Visa Platinum cards share many of the same features— a credit limit up to $30,000, no annual fee, and one rate for purchases, cash advances, and balance transfers.

NOTE: The information provided here on Visa Platinum cards (with the exception of disclosure and pricing information) pertains to cards issued as of November 2007. For questions on cards issued prior to that date, contact us at 845.463.3011 / 800.468.3011.

Standard Card Features (see pricing disclosures below)

No annual fee1 25-day grace period for purchases1
Credit line of up to $30,000 to qualified borrowers One variable rate, tied to the Prime Rate, for purchases, balance transfers, and cash advances
Fee-free balance transfers Warranty services and travel / emergency services
24/7 customer support at 800.847.2911 Online account access
Continuous fraud monitoring Lost/stolen card replacement
Worldwide acceptance Auto rental collision damage coverage
Available as a secured card

Choosing a Platinum Card

Here is some additional information to help you pick the right Platinum card for your needs.

Visa Platinum Visa Platinum Rewards
Best for those who tend to carry a balance One HVFCU Rewards! point for each dollar spent on qualifying purchases; redeem for travel, cash back, charitable donations, gift cards, or merchandise rewards
No frills Ability to combine credit & Visa Debit Card points
Up to $1,000,000 in travel accident insurance Up to $1,000,000 in travel accident insurance
Platinum extras – vary by card Platinum extras – vary by card

Credit Card Disclosures & Pricing Information

Based upon the HVFCU credit cards you have, please refer to the following disclosures and pricing information:

Electronic Statements

As an HVFCU Visa credit card account holder, you can receive your credit card statements electronically, instead of in the mail. You will receive an email notification alerting you when your statement is available. With electronic statements your statement history will eventually grow to 24 months of history.

To enroll in electronic statements, follow these easy steps:

  1. Access your credit card account through Internet Banking and select the option to view your credit card details from your list of accounts.
  2. Once you view your details, you are taken to the GoToMyCard website. Go to the Statement Delivery options page (via the “Sign Up for eStatements” quick link or “eStatement Options” on the “Activity & Statements” tab)
  3. Select the “Go Paperless” option. The page will expand for you to confirm your current email address on file. If there is no email address on file, you will be prompted to enter one and confirm it.
  4. Finally, the eSign disclosure will appear for your agreement. Click “I Agree” to complete your enrollment.

Please note: You must have a valid email address to receive electronic statements. Additionally, HVFCU staff are not able to enroll you in electronic statements due to certain disclosures you must agree to through GoToMyCard.

Visa Alerts

Visa Alerts specifically monitors your HVFCU Visa Debit Card and Visa credit card authorizations through email and text message notifications. Visa Alerts is also available for business members on their check cards and credit cards.

You must enroll your HVFCU cards in Visa Alerts as it is not something automatically provided at account opening. To enroll in Visa Alerts, call us at 845.463.3011 / 800.468.3011 or stop into any branch.

Verified by Visa

Shop with confidence online when you enroll your Visa credit card in the Verified by Visa program. This additional level of protection verifies account ownership at the time you make online purchases through the use of a secure password. Verified by Visa authenticates your information and sends the online merchant a confirmation that your identity has been verified.This ensures that only you can use your card online at participating stores.

Servicemembers Civil Relief Act

The Servicemembers Civil Relief Act (SCRA) gives relief to individuals who are called to active duty in any branch of the military, including reservists or members of the National Guard. Financial areas covered by SCRA protection include credit card interest rates, mortgage interest rates, and mortgage foreclosures. If you are a servicemember and have questions about how SCRA affects your loans at HVFCU, please give us a call at 845.463.3011 / 800.468.3011. Our staff will be happy to discuss any protections and programs that are afforded to you as a servicemember.

1 The fee for international transactions is equal to the exchange rate + 1% of the transaction. As of 4/19/14, the rate on our Visa Platinum is 11.25% and the rate on our Point Rewards Visa Platinum is 12.25%.


© 2014 Hudson Valley Federal Credit Union

159 Barnegat Rd. Poughkeepsie, NY 12601
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363