VISA Information

CLASSIC
We offer an LCU Visa Credit Card with limits up to $10,000. Rates as low as 9.50% with no annual fee and a 25-day grace period.

Balance transfers are available at 5.00% below your current rate. For example, your credit card rate is 9.50% less the 5.00% discount equals a balance transfer rate of 4.50%! This rate is good UNTIL THE TRANSFER BALANCE IS PAID IN FULL with no balance transfer fees. Payments are calculated based on 2% of the unpaid balance.

Credit Builder (Share Secured)
Do you have poor credit or no credit history at all? There are ways to help rebuild or establish credit.

The LCU Secured Visa Credit Card is a great way to establish credit. A secured card is backed by funds deposited to your regular share account. Your credit limit is the amount you pledge; with a minimum secured line of $300. The interest rate is 14.00% and payments are calculated based on 2% of the unpaid balance.

Download Credit Card Application, complete and fax to 703-777-5056 along with two recent paystubs.

CREDIT CARD DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rates (APR) for Purchases	Visa Classic 9.50% to 11.50% when you open your account, based on your creditworthiness. Visa Share Secured 14.00%
APR's for Cash Advances	Visa Classic 9.50% to 11.50% when you open your account, based on your creditworthiness. Visa Share Secured 14.00%
APR's for Balance Transfers	Visa Classic 4.50% to 6.50% when you open your account, based on your creditworthiness.⁽¹⁾ Visa Share Secured 14.00%
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees -Cash Advance Fee -Foriegn Transaction Fee	$1.00 or 2.00% of the amount of each cash advance, whichever is greater 1% of each transaction in U.S. dollars
Penalty Fees - Late Payment Fee - Return Payment Fee	Up to $25.00 Up to $15.00

(1) Introductory APR for 120 days from the issuance of the card. When the discounted period expires, the APR on existing balances will continue until paid off.

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)".

Billing Rights - Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

OTHER DISCLOSURES

Late Payment Fee	$25 or the amount of the required minimum payment, whichever is less
Return Payment Fee	$15 or the amount of the required minimum payment, whichever is less
Statement Copy Fee	$5.00
Document Fee	$4.00
PIN Replacement Fee	$5.00
Card Replacement Fee	$20.00
Emergency Card Replacement Fee	$30.00

LOST/STOLEN CARDS — To report a lost or stolen credit card or make balance inquires, call 1-800-808-7230.

CREDIT CARD PAYOFF CALCULATOR — To determine how long it will take to payoff your credit card.