LAFCU EMV CHIP CARDS ARE HERE! LEARN MORE>>
Use your existing credit card or get a new LAFCU MasterCard®, VISA® Classic, VISA® Gold, or VISA® Platinum EMV Chip Credit Card for amazing options and features, including better security to better protect you from fraud, online card activation, text alerts, rewards and a great low rate. Plus, every time you use your LAFCU Credit Card during the month of March, you'll be entered for a chance to win a free $25 VISA Gift Card*! Please make sure you securely destroy your old card once your new EMV Chip Card is activated.
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.
|VISA® PLATINUM REWARDS
|INTEREST RATES AND INTEREST CHARGES|
Rate (APR) For Purchases
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.|
||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.|
Credit Card Agreement Disclosure >>
*NO PURCHASE NECESSARY. All federal, state and local regulations apply. Void where prohibited by law. The promotion runs from 03/01/17 - 03/31/17. One VISA Gift Card will be selected each week for four weeks. If you would like to enter the drawing without opening an account, send a 3” x 5” postcard with your name, address and telephone number to: “LAFCU Gift Card Giveaway-for Credit Card,” Marketing Department, P.O. Box 26188, Lansing, MI 48909. Please, only one card per person. All entries must be received by LAFCU no later than 04/04/17 to be considered for entry into the sweepstakes. Official rules are available at http://www.lafcu.com/contestrules.
**APR = Annual Percentage Rate. The rate is variable and accurate as of 3/1/17 and subject to change. Programs, rates, terms, and conditions are subject to change without notice.