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INTEREST RATE AND CHARGES STUDENT
(15-17)
YOUNG ADULT
(18-24)
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

Transaction Fees
- 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

Penalty Fees
- 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.

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Student/Young Adult Credit Card Agreement


*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

 

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