Credit Cards

All offers subject to qualified credit for applications received 12/1/2020 - 03/31/2021. Offers may change or end at any time. *Introductory balance transfer APR of 0% - 1.99% is based on your creditworthiness, applies only to balance transfers made within 60 days of account opening and is valid for 12 billing cycles from date of first balance transfer. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 5/11/2020 the non-promotional rate for balance transfers is 7.99-15.74% based on your creditworthiness. Minimum monthly payment of 2% of total balance or $25 is required when interest is due. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. If you transfer a balance, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full. **Promo code must be presented by March 31, 2021 and prior to opening the account. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older to redeem coupon. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Promo code may be used once per individual. Bonus is in the form of a credit on your credit card account. Must not have had an open Heritage credit card in the 6 months prior to opening the new credit card. $50 will be credited to your Heritage credit card account within 30 days of activation of the new Heritage credit card. $100 will be credited to your Heritage credit card account on or before April 30, 2021 after spending a minimum of $1,500 in net purchases by March 31, 2021. Balance transfers and cash advances do not apply towards the $1,500 requirement. Card must be activated within 30 days of opening to be eligible for all bonuses.