VISA LUSO Federal Credit Union 2016-02-08 00:11:26 Not Assigned
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Lending Rates Effective as of May 22, 2017. Rates are subject to change without notice.

CREDIT CARD RATES

VISA CREDIT CARD SECURED LOAN No Processing Fee! No Annual Fee!

Minimum CreditMaximum CreditPurchase RateCash Advance
$500.00$9,999.9910.50% APR12.50% APR
– Visa Secured Card periodic rate of 0.02877% is valid on new purchases; Visa Secured Card periodic rate of 0.03425% is valid on cash advances.
– VISA Classic Credit Card only.
– FREE VISA Credit Cards REWARDS ScoreCard program.
– Pledged shares must be retained in a corresponding VISA Secured Share Savings account equal to the total credit limit and/or secured credit increase, and retained as collateral until such time as the debt is repaid in full and the secured credit card account is terminated.
– The funds are released upon successful completion of the loan terms and regular timely payment.
– The minimum payment is 2% of your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The savings for credit cards is based on lowest available Credit Union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance.
– Annual Fee: None; Over the Limit Fee: $20.00; Late Fee: $20.00; Return Check Fee: $30.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $20.00 after the 20th day following the due date. VISA International Exchange Conversion Fee: Applicable cost to the Credit Union at the time of transaction

VISA “SMART START” CLASSIC CREDIT CARD No Processing Fee! No Annual Fee!

Minimum CreditMaximum CreditPurchase RateCash Advance
$200.00$5,000.0010.50% APR12.50% APR
– FREE VISA Credit Cards REWARDS ScoreCard program; DOUBLE REWARDS for the first (3) months.
– Visa Smart Start periodic rate of 0.02877% is valid on new purchases; Visa Smart Start periodic rate of 0.03425% is valid on cash advances.
– The minimum payment is 2% of your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The savings for credit cards is based on lowest available Credit Union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance.
– Annual Fee: None; Over the Limit Fee: $20.00; Late Fee: $20.00; Return Check Fee: $30.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $20.00 after the 20th day following the due date. VISA International Exchange Conversion Fee: Applicable cost to the Credit Union at the time of transaction

VISA PLATINUM CREDIT CARD No Processing Fee! No Annual Fee!

Minimum CreditMaximum CreditPurchase RateBalance TransferCash Advance
$10,000.00$20,000.009.50% APR6.99% APR11.50% APR
– FREE VISA Credit Cards REWARDS ScoreCard program.
– Visa Platinum periodic rate of 0.02603% is valid on new purchases; Visa Platinum periodic rate of 0.03151% is valid on cash advances; Visa Platinum periodic rate of 0.01915% is valid on balance transfers.
– 6.99% Balance Transfer APR is valid on transferred balances to your LFCU Visa Platinum Credit Card Effective 12/01/2015 and applies to the life of the balance until paid.
– The minimum payment is 2% of your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The savings for credit cards is based on lowest available Credit Union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance.
– Annual Fee: None; Over the Limit Fee: $20.00; Late Fee: $20.00; Return Check Fee: $30.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $20.00 after the 20th day following the due date. VISA International Exchange Conversion Fee: Applicable cost to the Credit Union at the time of transaction

VISA CLASSIC CREDIT CARD No Processing Fee! No Annual Fee!

Minimum CreditMaximum CreditPurchase RateBalance TransferCash Advance
$500.00$9,999.9910.50% APR6.99% APR12.50% APR
– FREE VISA Credit Cards REWARDS ScoreCard program.
– Visa Classic periodic rate of 0.02877% is valid on new purchases; Visa Classic periodic rate of 0.03425% is valid on cash advances; Visa Classic period rate of 0.01915% is valid on balance transfers.
– 6.99% Balance Transfer APR is valid on transferred balances to your LFCU Visa Classic Credit Card Effective 12/01/2015 and applies to the life of the balance until paid.
– The minimum payment is 2% of your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The savings for credit cards is based on lowest available Credit Union APR and assumes your balance remains constant for one year. Finance charge computation is based on the daily average balance.
– Annual Fee: None; Over the Limit Fee: $20.00; Late Fee: $20.00; Return Check Fee: $30.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $20.00 after the 20th day following the due date. VISA International Exchange Conversion Fee: Applicable cost to the Credit Union at the time of transaction