CREDIT CARDS
- Credit limits up to $50,000
- No annual fee
- Online account access
Free CURewards — earn points towards merchandise and travel on every dollar you spend!
Full Rate Details
Account Disclosures
If you need to report a lost/stolen Mastercard® credit card‚ please call (800) 449-7728. Cardholders outside the U.S. can call +1 (636) 722-7111 collect in the event of an emergency, or refer to Mastercard Support. If you have any questions‚ please call us at (301) 929-7990 or (800) 888-6560 or email us.
If you need to reset your PIN on your Mastercard credit card, call (888) 886-0083 from within the U.S. If you're out of country, you can email us. (Please indicate that your message is regarding Mastercard® for prompt service.)
Immediately notify us of the unauthorized use by calling (800) 449-7728. if you are outside of the U.S., please call +1 (636) 722-7111 collect. An affidavit will be mailed to the address on record and must be returned per the enclosed instructions. Transactions must be reported within 60 days of the statement period in which the transaction occurred.
24-HOUR CARDHOLDER SERVICE
For 24-hour Cardholder Service, please call (866) 820-2904.
What’s safer and more convenient than cash‚ accepted worldwide‚ and can be used for cash advances at ATMs?
Mastercard® Credit Card
- Credit limits up to $50,000
- No annual fee
- Apple Pay™, Google Pay™, Samsung Pay™ and EMV technology
- Flexible payment options‚ including automatic payment
- A 25-day grace period on purchases
- Online account access
- Design your own card
- Share Secured option- Using funds in your share account as collateral, your credit limit is equal to this amount. Great option for those looking to build or re-build credit.
Earn CURewards
New cardholders receive 50,000 reward points if you make $5,000 in purchases within the first 90 days you have your card. If your spending falls short of that mark, but you spend at least $2,500 within the first 90 days, you’ll get 20,000 points. (Ordinarily, you earn one point for each dollar you spend.)
Here's just a few of the things you can get with 50,000 reward points:
- A $500 airline credit
- An LED TV
- A Samsung Galaxy Tab 4 Bundle
- $600 in gift cards
Mastercard® Travel Services
Another exciting feature is the FREE Travel Accident Insurance (up to $1‚000‚000) you automatically receive when you use the card to purchase tickets for travel on planes, ships, trains and other common carriers.
And with our Platinum card there is even more — the Mastercard® Family of Services which includes Mastercard® Global Service, Baggage delay insurance, Extended warranty, Hotel/motel burglary insurance, Lost or damaged luggage insurance, and Purchase assurance.
Mastercard® Rates & Terms
Effective Oct 1, 2018
| Charges & Fees | Terms |
|---|---|
| Purchase, Balance Transfer and Cash Advance APR* | 10.15%-18.00% When you open your account, determined by your credit worthiness.1 After that, APR will vary with the market based on the Prime Rate and a margin determined by credit history. |
| How to Avoid Paying Interest on Purchases | LFCU allows you 25 days to make a payment for charges of merchandise and/or services when the billing cycle beginning balance is $0.00 in order to avoid paying interest. |
| Minimum Finance Charge | There will be up to a $1.00 minimum finance charge assessed. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore |
| Annual Fee | None. |
| Balance Transfer Fee | 3% of each balance transferred,or $30.00, whichever is greater. |
| Cash Advance Fee | Either $2.00 or 2% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction Fee | 2% of the transaction amount in U.S dollars. |
| Late Payment Fee | Up to $25.00 |
| Over the Credit Limit Fee | None. |
| Returned Payment Fee | Up to $25.00 will be assessed and added to your balance if the minimum payment is not received within 5 days following the payment due date. |
| Card Replacement Fee | Up to $5.00 |
1 Variable Rate Information: APR=Annual Percentage Rate. Your APR may vary. Your rate is determined by adding a Margin (initially determined based on an evaluation of each member’s credit score, economic conditions and other risk factors) to the highest Prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle), according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.00%, regardless of the Wall Street Journal Prime Rate. The margin applicable to your account is subject to review every 6 months. After a period of 12 months from card issuance, we may increase or decrease the margin applicable to your account based upon changes in your credit history. We will notify you in accordance with applicable law before we apply any margin increase to your account. The margins will range from 4.90%-13.90% as described in paragraph 5 of your Lafayette Credit Union Platinum Mastercard Credit Card Terms and Conditions.
Once you complete the secure registration process, you may set notifications for transaction types and dollar amounts regarding:
- Approaching credit line
- Purchases over a selected amount
- International purchases
- Online and phone purchases
- And more!
Easy. Private. Secure.
Use Apple Pay™, Google Pay™, or Samsung Pay™ with your compatible device to pay in stores without swiping your cards and in apps without entering payment and contact information.
With these payment methods, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual credit or debit card numbers are never shared with merchants or transmitted with payment.
To get started, simply download your respective app, and enter the requested information. You will then be prompted to call the phone number that appears to validate your card and complete the enrollment process. This process will take 5 to 10 minutes to complete, and you will be asked to verify your most recent transaction (so have that handy). After the merchant name and amount is provided, your card will be verified.
For additional information, visit the links below:
Masterpass is a digital wallet that simplifies the checkout process across all of your purchases online, in-app, and in-store with one secure account. To get started, simply register online and load your Lafayette Federal Mastercard credit or debit card.
Store your cards and shipping information so you can easily shop online, in-app, and at over a million store locations from one secure account.
- Pick your favorite digital image: family pet, the kids, vacation, etc.
- Log in to Online Banking and view your credit card.
- Select "Design Your Own Card”
- Upload an image from your computer or browse the online catalog to find the picture that you’d like on your card.
- Simply follow the prompts and once your image is approved, you are all set!
Regular Mastercard® payments can be mailed to:
Mastercard®
P.O. Box 71050
Charlotte‚ NC 28272-1050
Overnight payments must be sent to:
Mastercard®
560 Carillon Pkwy.
St. Petersburg‚ FL 33716
Please make your check payable to Lafayette Federal Credit Union and write your credit card account number in the message line.
If you have questions or wish to dispute a charge‚ please call (800) 654-7728 or send a letter to:
Customer Service
P.O. Box 31112
Tampa‚ FL 33631-3112
To add an Authorized User to your Lafayette Credit Card please complete our Mastercard Authorized User Form and follow the form instructions for submission. Please also include a copy of a valid form of photo ID for the new authorized user.
Have Questions? Just ask.
Apply todayFull Rate Details
Account Disclosures
*Your APR may vary. Your initial rate is determined by adding a Margin (initially determined based on an evaluation of each member’s credit score‚ economic conditions and other risk factors) to the highest prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle)‚ according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.0%‚ regardless of the Wall Street Journal Prime Rate. Margins range from 4.90% to 13.90%. The margin applicable to your account is subject to review every 6 months, and we may increase or decrease the margin applicable to your account based upon changes in your credit history‚ economic conditions and other risk factors. We will notify you in accordance with applicable law before we apply any margin increase to your account.
Knowledge is power. Be in the know for financial betterment.
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Lafayette Federal HomeAdvantage is a free member service that can help you buy, sell and save on your home.
Save $100s to $1,000s in Cash Rewards*
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Score certificate rates that are TRIPLE the national average!* Kick your money into overdrive today with a GREAT rate.
Rates as high as 3.34% APY**
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Dreaming of a new ride? Let us finance your next new, used, or fuel-efficient vehicle.
Rates as low as 2.375% APR*
Lost Card?
Routing #: 254074811
Maryland
Kensington, MD 20895
Potomac, MD 20854
Virginia
Falls Church, VA 22042
Crystal City, VA 22202
McLean, VA 22101