Visa® Balance Transfers

Limited-Time Promo rate as low as 5.99% APR*

Transfer your credit card balances to a Low Rate HAPO Visa credit card and consolidate your credit card payments into one monthly payment! Here are all of the ways to do a balance transfer: 

  • Request a balance transfer by clicking the "Apply Today" button
  • Request a balance transfer from Online Banking
  • Bring in your balance transfer information to any HAPO location most convenient to you and we'll take care of the balance transfer for you OR
  • Call 1-866-820-6805 to request the balance transfer anytime, 24 hours a day.

 

Apply Today!

*5.99% APR (Annual Percentage Rate) is valid for balance transfers processed between 01/15/2025 and 03/15/2025. Qualifying balances transferred during this period will be held at the promotional APR until the March 2026 billing cycle. After the promotional period ends, the remaining promotional balance will return to a variable APR (WSJ Prime +7% - 19.75%). Balance Transfers are processed as Cash Advances and will accrue interest under "Cash Advance." Qualifying Balance Transfers will not be subject to a Cash Advance Fee. Cardholder is responsible for the outstanding balance at the receiving institution until payment is received in full. Promotional APR is valid for credit scores 720 and above. Purchases, cash advances, and transfers of any loan balances already held by HAPO will carry your card’s standard APR. Balance transfers do not earn rewards; balance transfers must not exceed your credit line. Payments are applied as outlined in the VISA Account Agreement. Promo rate excludes Commercial, Youth and Heloc card types. HAPO to determine which credit scores qualify. Federally insured by NCUA.
To request more information, contact a HAPO representative at 800-284-4276 (Toll Free); mailing address 
601 Williams Blvd. Richland, WA, 99354. 

 

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Visa Account Terms and Conditions

Interest Rates and Charges
Annual Percentage Rate (APR) for Purchase TransactionsPrime + 7.00% to Prime + 16.75% APR Platinum Low Rate*
Prime + 10.00% to Prime + 18.75% APR Platinum Cash Back *
Prime + 9.25% to Prime + 16.75% APR Signature Visa*
22.99% APR Shared Secured
18.00% APR Youth Visa
Annual Percentage Rate (APR) for Cash TransactionsPrime + 10.00% to Prime + 19.75% APR Platinum Low Rate*
Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back *
Prime + 12.25% to Prime + 19.75% APR Signature Visa*
22.99% APR Shared Secured
18.00% APR Youth Visa
Annual Percentage Rate (APR) for Balance TransfersPrime + 10.00% to Prime + 19.75% APR Platinum Low Rate*
Unless eligible for lower rate when available
Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back*
Unless eligible for lower rate when available
Prime + 12.25% to Prime + 19.75% APR Signature Visa*
Unless eligible for lower rate when available
22.99% APR Share Secured
18.00% APR Youth Visa
How to Avoid Paying InterestYou have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed.
Paying InterestFinance charges accrue on cash advances, balance transfers, and convenience checks from the transaction date until they are paid in full.
DelinquencyYou will be in default if your account becomes more than two months past due. On the first day of the month following notice of default, your APR will be increased to 22.99%. Upon default, if six consecutive payments are made on time, the default rate will be removed and previous APR will resume.
Billing Error RightsFor information about your right to dispute transactions, please refer to section 16 of the Account Agreement.
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard.
Method of Computing the BalanceAverage Daily Balance Method.
Fees
Annual Membership FeeNONE
Cash Advance Fee3% of each cash advance ($5.00 Minimum).
Balance Transfer Fee3% of each balance transfer ($5.00 Minimum).
Late Payment Fee$25.00 fee may be assessed for payments made later than the due date.
Returned Payment Fee$20.00 fee assessed for returned payments.
 Foreign Transaction Fee 2% of transaction (made in/merchants located in foreign country)

*This APR will vary with the market based on the Prime Rate as well as the credit score.