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Effective September 15, 2017, the Federal Reserve is making changes that will affect your account. Learn more.
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Serving members worldwide since 1935.

CREDIT CARDS

  • Credit limits up to $50,000
  • No annual fee
  • No balance transfer fee

Free CURewards — earn points towards merchandise and travel on every dollar you spend!

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Full Rate Details
Account Disclosures

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LOST/STOLEN CARD?

If you need to report a lost/stolen Mastercard® or Access debit card‚ please call +1 (800) 654-7728 or refer to mastercard.us. Cardholders outside the U.S. can call (636) 722-7111 collect in the event of an emergency. If you have any questions‚ please call us at (301) 929-7990 or +1 (800) 888-6560 or email us.

NEED TO RESET YOUR PIN?

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.)

CREDIT CARD FRAUD

Immediately notify us of the unauthorized use by calling (800) 449-7728. if you are outside of the U.S., please call (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.

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
  • No balance transfer fee
  • Apple Pay™, Android 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. Check out the detailed list of benefits.

Mastercard® Rates & Terms

Effective Aug 1, 2017

Charges & Fees Terms
Purchase, Balance Transfer and Cash Advance APR* 9.15%-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 None.
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 of 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: 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.

Your Life, Your Card, Your Choice! Show off your favorite picture every time you shop! We now offer you the flexibility to design your own card. It's simple:
  1. Pick your favorite digital image: family pet, the kids, vacation, etc.
  2. Log in to Online Banking and view your credit card.
  3. Select "Design Your Own Card”
  4. Upload an image from your computer or browse the online catalog to find the picture that you’d like on your card.
  5. 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 today

Full 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.
  • Debit Card Transaction

    Stop carrying around cash and upgrade to a Mastercard® Credit Card.


    Safe, convenient, customizable

  • First Trust Mortgages

    If you're buying a home or just looking to refinance and lower your rate, you’ll enjoy a quick and easy process.

    Rates as low as 3.043% APR*

  • Investment Services

    Learn about Lafayette Investment Services and Retirement Solutions, through CUSO Financial Services, L.P.*

    Access your investment portfolio