Credit and Debit Cards
Credit Card
A credit card is a debt instrument to be used for financial transactions in lieu of cash or check, or a debit card. Depending on its owner’s credit-worthiness, a credit card may have come with a high spending limit or a lower one. When you use a credit card, the purchase amount is automatically added to your outstanding balance.
Debit Card
A debit card might look like a credit card but it is distinctly different than one. A debit card is issued to customers for the purpose of accessing funds without having to write a paper check or make a cash withdrawal.
Whether you want rewards, cash back or a great rate See the Summary of Credit Terms link for important information on rates, fees, costs, conditions and limitations. An introductory balance transfer fee1 of 3% for the first 15 billing cycles applies to the offer (minimum $10). After that, a balance transfer fee of 5% applies to each balance transfer that you make (minimum $10). For all other credit card products a balance transfer fee1 of 5% applies to each balance transfer that you make (minimum $10). Minimum monthly payments required.
You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.
Never pay another ATM fee with the Hilltop Credit Union debit card. Get FREE ATM coverage nationwide, plus we refund all ATM fees that other banks charge. You'll never have to worry about finding another ATM or paying fees again.
- Pay for all types of purchases quickly and easily
- Improve your money management with balance and transaction history
We help identify potential fraudulent activity on your card. You'll be able to set notifications specific to your needs including;
- Purchase amount thresholds
- International purchases
- Purchases made on the internet or over the phone