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Visa Credit Card

As of April 1, we are no longer accepting LGFCU loan applications as we ready LGFCU members to move to Civic in June. Don’t worry — we got you covered with loans from Civic.

LGFCU banking channels will be closed starting May 30 at 5 p.m.

As we transition member accounts to Civic, LGFCU and Civic banking channels will be unavailable starting Friday, May 30 at 5 p.m. Civic channels will reopen on June 3. See details.

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Credit card holders

Our transition to Civic means right now you’re not able to check your LGFCU credit card balance in online/mobile banking and bank-by-phone. But don’t worry. If you need to pay your bill or check your balance before June 3, see your options here. And don’t forget to activate your Civic credit card so it’s available now before transition weekend.

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

We’re phasing out LGFCU loan applications as of April 1 as part of the process to get members ready to move to Civic in June. But you won’t have to go elsewhere for loans after March 31 — we’ll waive the $25 minimum share deposit needed to join Civic from April 1 —June 1. 

View rates

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 competitive rates

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

We offer the same competitive rates 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.

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 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.

Your resources: Balance Transfer Request Form and Visa® Cardholder Agreement (for new accounts)

The Visa® credit card Cardholder Agreement for new accounts contains Pricing Information and may show a range of APRs.

If you are a current Visa credit card cardholder and would like to request* a copy of your Cardholder Agreement, please contact us at 888.732.8562 or use the button below to request a copy online via Member Connect.

Request Agreement

*Copy of your Cardholder Agreement will be mailed to the address on your account.

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.

Credit card is subject to approval. APR = Annual Percentage Rate. The APR equals the margin, which can range from 4.50% to 9.50%, plus the Index Rate. The Index Rate is the U.S. Prime as published in The Wall Street Journal on the first day of your quarterly billing period and adjusted up to the nearest 0.25%. There is no minimum interest rate. The maximum variable APR for purchases and balance transfers is 17.00%. Cash advances have a fixed APR of 18.00% . Rates are subject to change; see the LGFCU rates page for current terms. Approval of new credit card applications is limited to residents of NC, SC, GA, TN and VA. Interest on cash advances and balance transfers begins to accrue from the date the transfer is posted to your account. Additional fees may apply; see the Visa Credit Cardholder Agreement for more details, on our Credit Card page.

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