We have many options available including VISA® Classic, VISA® Gold, VISA® Platinum, and MasterCard® Credit Cards. Other options include customizing your credit card (where you can upload your own photos or images from our library to your credit card.) Select which option is right for you from the list below.
CREDIT CARD OPTIONS:
VISA Classic, Gold, and Platinum
VISA PLATINUM REWARDS
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 Cash Advances 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
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.consumerfianance.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.
*APR = Annual Percentage Rate. The rate is variable and accurate as of 2/1/17 and subject to change. Programs, rates, terms, and conditions are subject to change without notice.
Student/Young Adult Credit Cards
INTEREST RATE AND CHARGES STUDENT
ANNUAL PERCENTAGE RATE
(APR) For Purchases
8.90% 9.90% APR for Cash Advances 8.90% 15.00% Penalty APR and When It Applies NONE Minimum Payment & Interest Charge The greater of 3% of the balance of $15.00. There is no minimum interest charge. How to Avoid Paying Interest on Purchases You have 25 days from the closing date to repay your entire balance before a finance charge on purchases is imposed. 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.consumerfianance.gov/learnmore FEES Annual Fee NONE
- Cash Advance Fee
- Foreign Currency Transaction
2% of the advance or $10, whichever is greater
1% of the converted transaction amount, retained by VISA for currency conversion
- Late Payment
- Over the Credit Limit
- Returned Payment
$15 if the balance is less than or equal to $500; $25 if the balance is greater than $500; but in no case will it be more than the amount of the Minimum Payment Due. Card balances are not authorized above the credit limit. The Lesser of $25 each or the amount of the Minimum Payment Due.
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.
*APY = Annual Percentage Yield
Rates are accurate as of May 1, 2015. Rates are subject to change without notice. Dividend rates and annual percentage yield on regular checking accounts are on entire balance when funds are within specified range. 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 September 23, 2016, 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 LAFCU, POB 26188, Lansing, MI 48909
- Call us at 517.622.6600 to get started or
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 Online Banking.
- If you have Online 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!
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If you have a lost or stolen Credit Card after normal business hours, please call the following number 800.449.7728
For Credit Card disputes, call 866.820.2905.