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 allotted funds just like a traditional card.

  • FREE VISA Credit Cards REWARDS ScoreCard Program - Double rewards for the first 30 days
  • Earn CURewards®
  • Available only for VISA® Classic Credit Card
  • Minimum credit limit of $200 with a maximum credit limit of $10,000

Effective Date: Wednesday, November 25, 2020

VISA® Credit Card Secured Loan

Minimum CreditMaximum CreditPurchase RateCash Advance
$200.00$10,000.0010.50% APR12.50% APR

APR: Annual Percentage Rate. This is a variable rate account.

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.

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 Luso FCU card is a revolving line of credit. The minimum payment is 3% of your Total New Balance, or $10.00, 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: $25.00; Late Fee: $25.00; Return Check Fee: $35.00; 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.

Balance transfers are NOT allowed on this product.

VISA® Smart Start Classic Credit Card

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

  • FREE VISA Credit Cards REWARDS ScoreCard Program - DOUBLE rewards for the first 30 days
  • No annual 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: Wednesday, November 25, 2020

VISA® Smart Start Classic Credit Card

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

APR: Annual Percentage Rate. This is a variable rate account.

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 3% of your Total New Balance, or $10.00, 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: $25.00; Late Fee: $25.00; Return Check Fee: $35.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $25.00 after the 20th day following the due date. VISA International Exchange Conversion Fee: Applicable cost to the Credit Union at the time of transaction.

Balance transfers are NOT allowed on this product.

VISA® Platinum Credit Card

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

  • Earn CURewards®
  • Minimum credit limit of $10,000 with a maximum credit limit of $20,000
  • Accepted anywhere VISA® is welcome

Effective Date: Wednesday, November 25, 2020

VISA® Platinum Credit Card

Minimum CreditMaximum CreditPurchase RateBalance TransferCash Advance
$10,000.00$20,000.0010.50% APR3.00% of transfer amount, or $10.00 (whichever is greater) 12.50% APR

APR: Annual Percentage Rate. This is a variable rate account.

Visa Business Platinum periodic rate of 0.02603% is valid on new purchases; Visa Platinum Business periodic rate of 0.03151% is valid on cash advance.

Your Luso FCU card is a revolving line of credit. The minimum payment is 3.00% of your Total New Balance, or $10.00, 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: $35.00; Over the Limit Fee: $25.00; Late Fee: $25.00; Return Check Fee: $35.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $25.00 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.

  • Earn CURewards®
  • Minimum credit limit of $500 with a maximum credit limit of $9,999.99
  • Accepted anywhere VISA® is welcome

Effective Date: Wednesday, November 25, 2020

VISA® Classic Credit Card

Minimum CreditMaximum CreditPurchase RateBalance TransferCash Advance
$500.00$9,999.9911.50% APR3.00% of transfer amount, or $10.00 (whichever is greater)13.50% APR

APR: Annual Percentage Rate. This is a variable rate account.

FREE VISA Credit Cards REWARDS Score Card program.

Visa Business Platinum periodic rate of 0.02603% is valid on new purchases; Visa Platinum Business periodic rate of 0.03151% is valid on cash advance.

Your Luso FCU card is a revolving line of credit. The minimum payment is 3.00% of your Total New Balance, or $10.00, 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: $35.00; Over the Limit Fee: $25.00; Late Fee: $25.00; Return Check Fee: $35.00; Card Replacement: $25.00 normal processing; $75.00 rush order; Past Due Fee: $25.00 after the 20th day following the due date. VISA International Exchange Conversion Fee: Applicable cost to the Credit Union at the time of transaction.