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Please select what you are interested in below.
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Customized Credit Cards

INTERESTED IN PUTTING A DESIGN OR PHOTO ON YOUR CREDIT CARD?

DESIGN YOUR OWN CREDIT CARD YOUR WAY!

Now you can if you are a LAFCU member. We want you to be able to put that extra personal touch on YOUR CARD. Select from your own photos or from a library.

HOW DO I GET STARTED?

  • You need to be a member of LAFCU and have Home Banking.
  • If you have Home Banking, get started by logging into your account and select 'Credit Card Information.' From this page it will take you step by step into customizing your credit card.
  • If you are not a member of LAFCU, apply today.

Call 517.622.6600 for more information!

 
Student/Young Adult Credit Card
PageHeader_StudentCreditCardsAre you a student or young adult that is ready to get started with a credit card of your own?

CREDIT CARD BENEFITS:
  • Learning how to manage your money wisely with a credit card
  • Customize your credit card
    Put a picture of your own on your credit card or select from many of the pre-formatted photos in the library.
  • You earn credit from your credit card usage

HOW DO I APPLY?
  • Call us at 517.622.6600 to get started or
  • Download the application by clicking on the button below and mail it to us at 106 N. Marketplace Blvd., Lansing, MI 48917.
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Student/Young Adult Credit Card Agreement
VISA Classic, Gold, and Platinum Cards
Standard Credit Card Rates and Terms: Button_ApplyToday_Active
  VISA CLASSIC
(minimum $500)
VISA GOLD
(minimum $2000)
VISA PLATINUM REWARDS
(minimum $5000)
INTEREST RATES AND INTEREST CHARGES
Annual Percentage
Rate (APR) For Purchases

16.40% 14.50% 12.90%*
The APR for purchases varies based on the Prime Rate + an Index Margin of 7.00%.*
APR for Balance Transfers   18.00% 15.00% 15.00%*
Prime + 9.00%
APR for Cash Advances   18.00% 15.00% 15.00%*
Prime + 9.00%
APR for Balance Transfers   18.00% 15.00% 15.00%*
Prime + 9.00%
Penalty APR and When It Applies   None None None
Grace period**   You have 25 days from the closing date to repay your entire balance before a finance charge on purchases will be imposed. You have 25 days from the closing date to repay your entire balance before a finance charge on purchases will be imposed. You have 25 days from the closing date to repay your entire balance before a finance charge on purchases will be imposed.
Minimum Payment
  3% of the new balance or $15, whichever is greater
3% of the new balance or $30, whichever is greater 3% of the new balance or $30, whichever is greater
For Credit Card Tips from
the Consumer Financial
Protection Bureau
  To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
*Your ANNUAL PERCENTAGE RATE (APR) will be calculated by adding the Index Margin as listed above to the Prime Rate as published in the "Money Rates" section of the Wall Street Journal on the 3rd Tuesday of March, June, September and December. In no case shall any APR for the Platinum Rewards Visa be less than 12.90% on Purchases regardless of the applicable Prime Rate and margin, unless, specifically, applicable laws and/or regulations require we use a lower APR.


FEES
Annual Fee
$12 None None
TRANSACTION FEES:
  Balance Transfer and  
  Cash Advance
  2% of the transfer/advance or $10, whichever is greater
  Foreign Transaction

  1% of the converted transaction amount, retained by visa for the currency conversion
PENALTY FEES:
 
Late Payment
  $15 if balance is less than or equal to $500; $25 if balance is greater than $500; but in no case will it be more than the amount of the Minimum Payment Due.
  Over the Credit Limit   Card balances are not authorized above the credit limit.
  Returned Payment
  or Convenience Check
  The lesser of $25 each or the amount of the Minimum Payment Due.
How we will calculate your balance: We use a method called "average daily balance (including new purchases)."

The information about the costs of the cards described in this application is accurate as of February 1, 2013, and is subject to change after that date. To find out what may have changed, call us at 1-800-748-0228, or write to us at: LAFCU, P.O. Box 26188, Lansing, MI 48909.
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Call 517-622-6600 for more information!


Credit Card Rates & Fees >>

Credit Card Agreement Disclosure >>

* The prime rate used to determine your annual percentage rate is published in the "Money Rates" column of the Wall Street Journal on the third Tuesday of March, June, September, and December.