Why pay a balance transfer fee, when you can do it for FREE?

Take advantage of our no-fee balance transfer when you move one of your high-rate credit card balances to our low, fixed-rate Visa®. It's like saving money - twice! Pay down your debt faster with less interest.* Transfer your balance today!

Transfer Now   Apply Now


You Deserve Visa®  - Earn Travel, Merchandise and More.

At HeritageWest, you can count on our low everyday fixed rate to provide you with the extended financial flexibility that you need. Whether it is a special gift, a tropical vacation, or debt consolidation, we’ve got you covered. Our Visa cardholders enjoy:

  • Fixed rates starting at 9.90% APR*
  • Same low rate for cash advances!
  • ScoreCard Rewards Bonus Points
  • ATM cash anytime
  • No cash advance fees
  • No balance transfer fees
  • No annual fee
  • ScoreCard Rewards Bonus Points

Contact Us Today

Available 24 hours a day:

Toll Free: (855) 700-1921
Fax: (801) 446-3716


*APR=Annual Percentage Rate. Rates subject to credit qualifications. Not all applicants will receive the lowest rate. Existing balances on Chartway Federal Credit Union, HeritageWest Credit Union and SouthWest Community Credit Union credit cards are not eligible. Some restrictions may apply. For complete details and full disclosures, please see a member specialist.

Enjoy the benefits of membership today!

No matter where life takes you, we’re here to help. Because once you're a member, you're always a member.