Getting an HCCU VISA® Credit Card is as easy as 1-2-3!

Applying for an HCCU VISA® credit card is a very simple process. Bring in your 2 most recent paystubs (2 for each applicant) and fill out and sign our hassle-free application. A loan officer will review your application and let you know if you are approved. It’s as easy as that!

HCCU offers 2 types of VISA® credit cards: Classic and Platinum. What is the difference? The cards are essentially the same, but the Platinum cards have a lower interest rate of 9.9% APR whereas our Classic cards have a 14.9% APR. Both cards have no annual fee and can be used anywhere VISA® is accepted.  Another great feature is the fact that you can request the limit you would like (based on credit qualifications).

Both Classic and Platinum cards also offer Scorecard® reward points, so you earn something for your spending! For every $1 spent you earn 1 point and those points are good for 4 years. Visit www.scorecardrewards.com for more details or to browse the rewards catalog.

And when you have your credit card and your checking account in the same place, monthly payments are easy!  Payments can easily be made with a quick transfer from your HCCU checking account. That’s pretty convenient to have your accounts all in one place!

Stop in today to fill out an application and start getting rewarded for your purchases!

Post by: Katie B

Image courtesy of  stockimages at FreeDigitalPhotos.net

Getting Ready for College!

Getting ready to go off to college can be stressful enough…figuring out classes, setting up dorm rooms, finding roommates, etc.  Being financially secure and ready with your accounts is just another process that adds to the excitement of getting ready for college.  With that said, there are many ways at Horizon Community Credit Union that can help you with this process!

A student checking account with a debit card is a great item to have when going away to college.  There are plenty of ATMs around that allow you to take money out of your account without having to pay for an ATM fee.  This way you are able to take money out of your account hassle-free no matter where you are!  If you are unsure which ATMs are fee-free, check out the Horizon Community Credit Union ATM Alliance website for a complete list of all the participating free ATMs out there.

Another good thing to do before going to college is to enroll in e-statements and set up online banking. Having access to your account online helps you to manage and keep track of your money throughout the year...especially when you’re trying to figure out if you have enough money to buy that late night pizza once a week (trust me, we've all been there)!  Knowing how much money you have (or sometimes don't have, right?) can save you from getting costly overdraft charges too!

One last thing to consider that can be helpful when you head off to school is applying for a credit card with a low limit.  (Bonus: all of our cards earn Scorecard Rewards points!)  It’s always nice to have one on hand in case an emergency comes up.  Also, using your credit card here and there helps you build up your credit score.  Just make sure that if you do use it, you remember to make your payments on time and you don’t max it out!

Learning how to handle money before you’re out on your own is a step in the right direction of getting through college and being independent. These are all important steps that can help lead to setting up a student’s financial goals and eventually meeting them.  If you want more resources or information, don't hesitate to ask a member of our staff!

Post by: Lindsey L

Image courtesy of hywards at FreeDigitalPhotos.net

Free Stuff?!?!?! Everyone loves Free Stuff! How can I get some?

When you use your Horizon Community Credit Union Visa® Credit Card every purchase earns you reward points. And with those reward points, you can get free stuff. Since I have started using my Horizon Credit Card, I have accumulated many points. Which means I probably use my credit card way too much. :) With those points I have purchased two sets of pans for all the cooking I do, and a set of diamond hoop earrings (what girl doesn't want jewelry), and I still have points left to use!

You’re automatically enrolled in Scorecard® Rewards when you get a Horizon Community Visa® Credit Card so all you have to do is start using it. When you are ready to cash in some points or if you’d like to see what’s available to you, just visit www.scorecardrewards.com to set up your account. The website will let you know how many points you have and let you see the numerous items available, from housewares to jewelry, clothing and electronics, just to name a few. In the months of November and December, when we are all doing our Christmas shopping, Horizon offers double points. And now this summer, gas purchases will also double your points. So get out there and start adding up your points by using your Horizon Visa® Credit Card, and check out the great free stuff you can get.

Post by: Karen S

Points Points

Summer is slowly approaching (really slowly) and since Spring has not begun, it is hard to fathom that it will eventually arrive.  And who can forget what Summer means, ORANGE CONES and MORE MONEY at the gas pump.  The credit union has decided to reward you with double reward points when using your HCCU credit card at the pump.  Two points for every dollar that you spend at the pump. 

WHAT, you don't have a credit card with us here at HCCU?!?!?!?  Then it is time to sign up.  Just fill out the application on-line and submit.  The address to on-line applications is:  http://www.horizonccu.com/loans.php 

Scorecard reward points give you the opportunity to save up points for that special something, from a stainless steel coffee mug to a 55 inch LED 3D TV.  If you have not already signed up for the rewards program, this is the site to go to:  https://www.scorecardrewards.com/general_logon.asp  It is time to sign up and start saving!!!!

Oh and about those ORANGE CONES.  I say knock one over and if you get caught, tell the nice officer that it was your bank that told you do to do it.  From what I heard, it's the right thing.

- Your CU