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Small payments, Big rewards

Low rates, fun rewards, and generous credit limits make our credit cards hard to beat.
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Two great options

We offer two fantastic VISA credit cards that you can use anywhere. Both earn 1 point for every dollar you spend, no exceptions or gimmicks. Use your points on all kinds of fun rewards, from cash back and gift cards at your favorite store to flights for your dream vacation. Learn more about rewards points on our Member Rewards page.

Member Rewards

  • VISA Platinum with credit limits up to $10,000
  • VISA Classic with credit limits up to $5,000


Rates Effective as of: 05-30-2024

A.P.R.Cash Advances APRBalance Transfers APRMinimum Finance ChargeAnnual Membership FeeGrace PeriodLate Payment FeeOver the limit fee
Classic VISA 15.9%15.9%15.9%0.00%$0.0025 Days$15.00$15.00
Platinum Visa 12.90% 12.90% 12.90%0.00%$0.0025 Days$15.00$15.00

A.P.R. = Annual Percentage Rate


Yes, you can view your VISA Credit Card details online in your account using the LFCU Mobile App or your Online Banking.

  • Check your balance
  • View transactions
  • Set up Auto-Pay
  • Analyze your spending
  • Set up alerts

Our Classic VISA Credit Card has a limit of $5,000 (see the Rates tab to view interest rates on our Classic VISA Credit Card). All LFCU members, even members with low credit scores, are eligible to qualify for the Classic VISA. Members with a 700+ Credit Score are eligible for the Platinum VISA Credit Card which has a $10,000 limit and a lower interest rate. Please see the Rates tab for the most updated interest rates.

You can make a payment three different ways! You can transfer funds using the LFCU Mobile App and in Online Banking, or give us a call and we can process payment by phone.

Payment is due by the 28th of each month.

Yes, you can schedule payment transfers using the LFCU Mobile App or Online Banking.

Mobile App

Login to your account using the Mobile App, select the Move Money tab at the bottom of the screen, select Schedule a Transfer at the top of the screen and follow the prompts to set-up a scheduled transfer.

Online Banking

Login to your account using the Online Banking portal. Under Money Management on the left-hand side of the screen, click Schedule Transfer. Follow the prompts to set-up a scheduled transfer.

If you plan to use your card on vacation, please call 906-341-5866 and provide travel dates to avoid any disruptions with your card.

 Please call VISA immediately at 800-991-4961.

Your card, our pleasure

Fill out our easy online application, and we'll let you know ASAP if you're approved.

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