Young woman traveler holding a credit card while she's on laptop.

No annual fee

No balance transfer fee

Using your LGFCU Visa® Credit Card as your default card for recurring payments and purchases is a smart choice that’s safe and convenient, with a rate that could save you money.

No annual fee and a competitive rate

Our credit card has no annual fee. What's even more important is that our variable interest rate (subject to change quarterly) is not an introductory rate.

We offer the same competitive rate for purchases and balance transfers. And if you decide to use your card for a cash advance, our fixed rate for that is 18.00% APR.

Simple monthly payments

Your minimum monthly payment is 1% of your outstanding balance or $25 per month, whichever is greater. This means you can make a plan to pay off your balance without going broke. Opt-in to e-statements to easily keep track of your payments and spending.

Balance transfers without extra fees

When you transfer your existing high-interest credit card balances to an LGFCU Visa Credit Card, you pay no balance transfer fee. You can use the online form in Member Connect to request your balance transfer.

Or, bring a completed Credit Card Balance Transfer Request Form or the last credit card statement from your other financial institution(s) to a branch near you for processing. Other fees may apply.

What credit score is needed for a credit card?

At LGFCU, we don’t use credit scores to determine your card approval, and all approved applicants receive the same great rate! While we don’t have credit builder loans, this makes our card a great option if you’re starting out and need to build credit.

Use for contactless or mobile payments

The contactless symbol on the front of your Visa Credit Card means you can check out quickly in-store using “tap-to-pay” technology. Look for the symbol at retail checkout terminals.

For even more convenience online or in-store, add it as your primary credit card to some of the most popular mobile payment apps like Apple Pay®, Google Pay, and Samsung Pay.®

Customize your card experience

Make your LGFCU Visa Credit Card truly your own!

  • Create a custom PIN. Call 888.886.0083. (Or call to reset your PIN.)
  • Choose a time frame to pay off your balance.
  • Add your photo for additional security. (Contact your local branch for details.)
  • Add another LGFCU member as an authorized user.
  • Use funds transfer to pay your bills.

Credit limits and increases

Credit limits vary based on your ability to repay. Sometimes, however, you may need more spending power or need to improve credit utilization. When this happens, request a credit line increase online, by phone or at a branch location. Credit line increases are available for existing credit cards regardless of the state in which you currently reside.

From time to time, the Credit Union may automatically increase your credit limit based on repayment history and other factors, then notify you of the change. Contact us if you want to decline a credit line increase.

Add additional protection against identity theft

In addition to all of these great benefits, Visa offers ID Navigator Powered by NortonLifeLock.TM ID Navigator is a complimentary service that provides tools to help you act quickly in the event of suspected identity theft.

First, you need to confirm your eligibility. Once verified, you can enroll in the no-cost version of ID Navigator. Plus, as a Visa cardholder, you also have access to special discounts on other NortonLifeLockTM products.

Find more ways to keep your card safe during travel, at ATMs and more.

Credit card activation is easy

Protect your card; don’t wait to activate. Call 866.322.2377 to activate your card as soon as you receive it. Your card is not valid until it is activated.

Next Steps

Choose how you want to apply for a credit card.

Samsung Pay is a trademark of Samsung Electronics Co. Ltd.

Apple Pay is a trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

No one can prevent all identity theft.