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Credit Cards

We have the best credit card in town! With NO annual fees and NO cash advance fees, you’ll save money every month with a Visa credit card from Heart of Louisiana Credit Union. Our low, non-variable rate gives you piece-of-mind that your rate will not fluctuate from month to month.

  • Credit amounts range from $500 - $30,000, depending credit approval
  • Same rate for all transactions, including cash advances and balance transfers
  • Credit Life and Disability Insurance available*

Heart of Louisiana Credit Union has made your VISA Credit Card even better! You now earn Reward Points for every purchase you make through our new ScoreCard™ program. The more you use your Heart of Louisiana Credit Union VISA Credit Card, the more you can reward yourself! With automatic enrollment, no annual program fees, no enrollment fees and no point limit - you are truly rewarding yourself with the ScoreCard program!

With the ScoreCard program you earn one point for every dollar you spend. You can view your point balance, search and view rewards, create a wish list, update your profile and redeem your points by visiting www.scorecardrewards.com.

Your Rewards Points can be redeemed for brand-name merchandise including electronics, fashion and home furnishings. Points can also be used for a variety of discount travel including airfare with no black-out dates, hotel stays and car rentals.


If you have any questions, please do not hesitate to call us at 800-264-4562. We're happy to help.

All loan rates and fees may be subject to change based on borrower(s) qualifications, credit score, and credit history.

*Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms.   Form # CDCL-0512-05C9