Honest, affordable credit to buy the things you need now.
Many credit card companies use confusing language and tricky practices to keep you in a cycle of debt. LGFCU is looking out for your best interests, so we keep our LGFCU Visa® Credit Card affordable and convenient. We even let you choose the time frame to pay off your balance!
No annual fees
Our credit card has no annual fee and can be used as overdraft protection on your LGFCU Checking Account with loan officer approval. Your minimum monthly payment is 3% of your outstanding balance or $25 per month, whichever is greater, which means you can make a plan to pay off your balance without going broke.
What's even more important is that our low variable interest rate (subject to change quarterly) is not an introductory rate. We offer the same low rate for purchases, cash advances and balance transfers. We don’t make you pay more for cash advances like other institutions.
Transfer your existing high-interest, credit card balances to an LGFCU Visa Credit Card with no transfer fee. To transfer your balance, please bring a completed Balance Transfer Request Form or the last credit card statement from your other financial institution(s) into your local branch for processing.
Even more benefits
Varying credit limits are available* and our credit card is available to residents in North Carolina, South Carolina, Georgia, Tennessee and Virginia. In addition to all of these great benefits, Visa also offers a convenient alternative to rental insurance through a car rental agency or by your primary auto insurance provider free of charge. Learn more with the Visa Auto Rental Collision Damage Waiver program guide.
*Credit limits are assigned depending on maximum amount of unsecured debt carried with the Credit Union