As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value through high returns on deposits and low rates on loans.

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Routing Number: 271992183

Helpful Tip

If you need help or have questions regarding your login credentials, please contact us at 800.942.0158 or 630.276.5555.


Credit Cards

Credit Cards

Access to the world’s most accepted credit card – VISA 

With a HealthCare Associates VISA credit card you can make purchases with confidence while enjoying low rates and great rewards.


All HACU Credit Cards Feature

  • No annual fee
  • Low fixed rates
  • Rewards Points
  • No cash advance or balance transfer fees
  • Same rate on purchases, cash advances and balance transfers
  • No fees for purchases outside the U.S.
  • Easy access to cash at ATMs around the world
  • Online payments and eStatements
  • Real-Time Customized PIN option
  • Extra benefits on your purchases
    • Travel Accident Insurance, Purchase Security and Extended Protection, Auto Rental Collision Damage Waiver and more. Find out how.
  • Fraud Monitoring
    • Your security is important to us.  We offer our members multiple free fraud monitoring services. Add an extra layer of security to make it harder for someone else to use your Visa card in the unfortunate event your Visa card or account number is lost or stolen.

Free Fraud Monitoring Options  

Visa Platinum, Platinum Elite and Platinum Select

With the HealthCare Associates Visa Platinum card, earn 1 point for every $1 you spend.

  • Reward Points - accumulate 1 point for every $1 in purchases for redemption towards cash awards or gift cards from popular merchants
  • No enrollment necessary
  • View and redeem your Reward Points when you login to Internet Branch
  • Review available choices in the VISA® Rewards Catalogue


Visa Platinum Secured

Safely build or re-establish your credit history with the HealthCare Associates Visa Platinum Secured card. This secured credit card works like any other card, and is accepted worldwide.

  • Enables you to build credit with a credit limit equal to your security deposit
  • Credit limits from $500 up to $2,000
  • Reward Points - accumulate 1 point for every $1 in purchases for redemption towards cash awards or gift cards from popular merchants
  • Review available choices in the VISA® Rewards Catalogue


First Time VISA Program

Are you new to the lending world and have little or no credit?  Are you Looking to get your first Credit Card?  We are happy to help with our First Time VISA Program designed for those who are looking to obtain their first major credit card.  

  • Low rates
  • No annual fee
  • Free online educational platform to help guide you through your financial health - Enrich Financial Wellness
  • Excellent way to establish a credit history
  • Must be employed and with current employer for at least 6 months
  • Set up automatic loan payments from your hacu checking account 



*APR = Annual percentage rate. Gift cards and cash awards are distributed through Rewards Points powered by Extra Awards.



*% as low as
APR 9.90%*
View all loan rates

ATM & Branch Locator

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Chip Technology Credit Cards

HACU is always looking out for our members' financial health. Enjoy enhanced fraud protection and global acceptance.



For your security, when your HACU Visa credit or debit card is being used in an unfamiliar location, we may put a temporary block on your card to prevent potential fraudulent transactions. 

In order to ensure uninterrupted and worry-free card service during your travels, please give us a quick call to let us know of your travel plans.