Ready to roll?

Get a discount of up to 1.00% APR off your qualifying auto rate. Click here to learn more.
Introducing...

The R.E.D. Program! A new auto financing option for members. Click here to learn more.
Need to get away?

HTFFFCU Vacation Loans now available! Click here to learn more.
Member-Volunteers needed!

We're turning HTFFFCU into one big photoshoot area! Click here to learn more.
Got a sweet tooth?

Buy a box of chocolate almonds to support credit union causes! Click here to learn more.
Looking for a new career opportunity?

Check out the available positions and apply today. Click here to learn more.
What's the difference between credit & debit?

Your teenagers can learn this and much more! Click here to learn more.

Loan Center

MasterCard® and VISA® Credit Cards

APPLY FOR A CREDIT CARD: Click here to apply for a credit card online!



Credit cards are a great way to handle those unexpected expenses that life may throw your way. Whether your car needs repairs or you have some surprise medical expenses, a credit card from HTFFFCU will be here just in case you need it. We have several to choose from to meet your needs.

Credit Card Type Credit Score Needed to Qualify
Classic MasterCard & VISA FICO 08 below 650
Gold MasterCard & Platinum VISA FICO 08 of 650 or higher

When you use your HTFFFCU Credit Card you'll enjoy:

  • A Low Annual Percentage Rate
  • 25-Day Grace Period on Purchases
  • No Annual Fees
  • No Hidden Charges
  • Low Minimum Payment
  • Convenience of Cash Advances through ATMs Worldwide
  • Balance Transfer Opportunity
  • 24 Hour access to account information at ezcardinfo.com

For a small fee, express shipping is available for your credit cards. Contact the credit union for fees or additional information.

APPLY FOR A CREDIT CARD: Click here to apply for a credit card online!

APPLY FOR A CREDIT INCREASE: Already have a credit card with us and need a credit limit increase? Click here to apply!

Download the credit card disclosure and agreement here.

Auto Loans

Other Loans

Loan Protection

Apply Online

Other Services

  • Auto Buying Guide Purchasing a vehicle is a decision that requires knowledge of issues that buyers may encounter. more
  • Preferred Dealers A listing of car dealerships that many members have had good experiences with and that you can trust. more