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 transfer fee. Just 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.
Your resources: Balance Transfer Request Form, Credit Cardholder Agreement (for cards opened prior September 01, 2021; or for cards opened on or after August 15, 2022) and Credit Cardholder Agreement (for cards opened between September 01, 2021 – August 14, 2022; or for members that received a Change in Terms notice dated September 06, 2022)
Samsung Pay is a trademark of Samsung Electronics Co. Ltd.
No one can prevent all identity theft.