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At Heritage Credit Union, we reward responsible spending. Enjoy no interest on your purchases when you pay your entire balance by the due date each month—helping you save more and stress less.
Enjoy a grace period of at least 25 days on purchases. If you pay your full balance by the due date, you won’t be charged any interest.
Plan your monthly expenses efficiently without worrying about unexpected interest charges piling up.
Maintain financial discipline and boost your credit score through timely payments and responsible spending.
Every dollar saved on interest can be invested back into your future goals—whether for business or personal needs.
Our “No Interest on Purchases” policy is simple: pay your entire balance by the due date each month, and you won’t incur any interest. This helps you stay debt-free, avoid accumulating unnecessary charges, and manage your money more effectively.
When you make purchases using your Heritage Credit Union card, each billing cycle closes with a clear summary of what you owe. If you pay the **entire amount** before your payment due date (typically 25 days after the close of the cycle), no interest will be applied.
This feature is ideal for individuals and businesses looking to maintain liquidity and optimize cash flow without sacrificing the benefits of credit card convenience.
Paying your entire balance not only saves you from interest but also contributes to a stronger credit profile. It reflects positively on your payment history and reduces your credit utilization ratio—two factors that significantly affect your credit score.
Additionally, interest-free periods give you the power to make smart purchases throughout the month, knowing you have time to repay without penalties.
Simply pay your full balance by the monthly due date. Partial payments may result in interest on the remaining amount.
Yes, most Heritage cards include this feature. Check your specific card agreement or contact our support team for details.
No, the interest-free grace period applies only to new purchases, not to cash advances or balance transfers.
Absolutely! Continue earning points or cashback while keeping your balance clear each cycle to maximize both savings and rewards.
