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The card created to build or perfect your credit.

With a lower minimum credit line of $500, this card is perfect for first-time borrowers, or those in the process of rebuilding their credit. The credit line on the card is backed by a cash deposit at the credit union. Talk to a loan officer to learn more.

Online Account Access

Manage your credit card online. Consolidate balances from higher rate cards, pay your bill, view statements and request a new card or PIN.

Payment Info

Payments made before 5 pm CST will be applied to your credit card account the same business day. Payments initiated after 5 pm CST will be applied to your card the following business day.

Design Your Own Card

Personalize your card and make it your own. Picture of the largest cheese curd on earth? Sure—we won't judge.

Pay your Visa Platinum Low Rate bill:

Visa Platinum Secured


Manage Card

By automatic payment

888-432-8496, Option 0 (during business hours from 8 am to 5 pm CST)

At any Heritage branch


By phone

Business Hours (8 am to 5 pm CST)

888-432-8496, Option 0

After Business Hours


By mail

PO Box 660493

Dallas, TX 75266-0493



Important Information and Disclosures

Visa Credit Card Disclosures >

Consumer Credit Card Agreement >

Travel Insurance—Platinum >

Printable Application >

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