VISA® Credit Card Secured Loan

Establish or rebuild the credit you need. A secured deposit account will be used as collateral, but you can use and repay alotted funds just like a traditional card.

  • No annual fee
  • No processing fee
  • Earn CURewards®
  • Available only for VISA® Classic Credit Card
  • Minimum credit limit of $200 with a maximum credit limit of $10,000

Effective Date: Thursday, February 22, 2018

VISA® Credit Card Secured Loan

Minimum CreditMaximum CreditPurchase RateCash Advance
$500.00$10,000.0010.50% APR12.50% APR

APR: Annual Percentage Rate.

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.

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. Your VISA® credit card is a revolving line of credit. 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

Earn rewards for purchases while building credit for future financial needs.

  • No annual fee
  • No processing fee
  • Earn CURewards® - double rewards for the first three months
  • Minimum credit limit of $200 with a maximum credit limit of $5,000
  • Accepted anywhere VISA® is welcome

Effective Date: Thursday, February 22, 2018

VISA® Smart Start Classic Credit Card

Minimum CreditMaximum CreditPurchase RateCash Advance
$200.00$5,000.0010.50% APR12.50% APR

APR: Annual Percentage Rate.

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.

Your Luso FCU card is a revolving line of credit. 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

Get a higher spending limit, lower interest rate, and increased flexibility to make reward-earning purchases online and in-person.

  • No annual fee
  • No processing fee
  • Earn CURewards®
  • Minimum credit limit of $10,000 with a maximum credit limit of $20,000
  • Accepted anywhere VISA® is welcome

Effective Date: Thursday, February 22, 2018

VISA® Platinum Credit Card

Minimum CreditMaximum CreditPurchase RateBalance TransferCash Advance
$10,000.00$20,000.009.50% APR6.99% APR11.50% APR

APR: Annual Percentage Rate.

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 and applies to the life of the balance until paid.

Your Luso FCU card is a revolving line of credit. 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

Make purchases at merchants worldwide and earn rewards that can be redeemed for for merchandise, gift cards, or travel.

  • No annual fee
  • No processing fee
  • Earn CURewards®
  • Minimum credit limit of $500 with a maximum credit limit of $9,999.99
  • Accepted anywhere VISA® is welcome

Effective Date: Thursday, February 22, 2018

VISA® Classic Credit Card

Minimum CreditMaximum CreditPurchase RateBalance TransferCash Advance
$500.00$9,999.9910.50% APR6.99% APR12.50% APR

APR: Annual Percentage Rate.

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 and applies to the life of the balance until paid.

Your Luso FCU is a revolving line of credit. 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.