Exchange rates are calculated in global currency markets. The reasons for fluctuations in exchange rates include: inflation, interest rates, budget deficits, public debt, trade policy, political stability, and economic performance.


Please note, you can use your H-E-B Federal Credit Union debit or credit card while traveling internationally, after filing a travel alert on your account.


If you are traveling abroad, please refer to our Fee Schedule for card use outside of the United States.