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Earn rewards for every dollar you spend, and when you use your LAFCU MasterCard
® or VISA® Platinum Credit Card for retail purchases between November 15, 2017 - January 15, 2018, you'll receive double points* on those purchases.

Benefits:

Use your existing credit card or get a new 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. Please make sure you securely destroy your old card once your new EMV Chip Card is activated.

LAFCU EMV CHIP CARDS ARE HERE! LEARN MORE>>

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*On retail purchases only. Some restrictions apply.


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® 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 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
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
*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 517.622.6600, or write to us at: LAFCU, P.O. Box 26188, Lansing, MI 48909.
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Credit Card Rates & Fees >>

Credit Card Agreement Disclosure >>
*APR = Annual Percentage Rate. The rate is variable and accurate as of 4/1/17 and subject to change. Programs, rates, terms, and conditions are subject to change without notice.

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