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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.


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  • CREDIT CARD OPTIONS:

  • VISA Classic, Gold, and Platinum

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        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 >>

  • MasterCard



    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


    Credit Card Rates & Fees >>

    Credit Card Agreement Disclosure >>

  • Student/Young Adult Credit Cards

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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

     

  • 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.

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