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49

Visa Classic

Homeland Credit Union, Inc.

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719
Issuer site ↗
Purchase APR
18.99%
Annual fee
$10
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
30 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered18.99%
Median18.99%
Highest offered18.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered18.99%
Median18.99%
Highest offered18.99%

Every fee on this card

Annual fee$10
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$10
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Statement Copy$5
Card Replacement$5
Pay by phone$10

Rewards, benefits and features

Rewards
  • Other rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Travel, merchandise, gift cards

Who can get this card

AvailabilityOne State/Territory
StatesOH
Membership requirementsYes
RequirementOther. Please Describe:
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 18.99%$569.70
Annual / periodic fees$10
Total yearly cost$579.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.

Cardholder agreements

3 documents filed by Homeland Credit Union, INC. in the 2026 Q1 archive.

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