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The LAFCU MasterCard Credit Card offers a great rate and awesome rewards! Earn rewards for every dollar you spend.

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INTEREST RATES AND INTEREST CHARGES
Annual Percentage
Rate (APR) For Purchases
      9.15%*
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances       15.25%*
Prime + 9.0%
Penalty APR and When It Applies       None
How To Avoid Paying Interest on Purchases
  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
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

 

FEES
Annual Fee
- Annual Fee
      None
TRANSACTION FEES:
- Balance Transfer Fee
  $10.00 or 2.00% of the amount of each balance transfer, whichever is greater
- Cash Advance Fee

  $10.00 or 2.00% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee

  1.00% of each transaction in U.S. dollars
- Transaction Fee for Purchases

  None
PENALTY FEES:
-
Late Payment Fee
  Up to $25
- Returned Payment Fee   Up to $25
How we will calculate your balance: We use a method called "average daily balance (including new purchases)."

Effective Date:
The information about the costs of the card described in this application is accurate as of April 1, 2015. This information may have changed after that date. To find out what may have changed, call us at 517.622.6600 or write to us at: LAFCU, P.O. Box 26188, Lansing, MI  48909.
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Other Disclosures:
 
 Late Payment Fee    If you are ten or more days late in making a payment, you will be charged a late fee. If your outstanding balance is $500.00 or less, the fee will be $15.00 or the amount of the required minimum payment, whichever is less. If your outstanding balance is $500.01 or more, the fee will be $25.00.
Returned Payment Fee   $25.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee   $25.00 or the amount of the returned convenience check, whichever is less.
Statement Copy Fee   $3.00 per document.
Rush Fee   $25.00
Card Replacement Fee   $8.00
Pay-By-Phone Fee   $10.00


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