No Annual Fee, Real-Time Rewards
Plus, Earn 50,000 Bonus Points2
Discover what a Mastercard® Credit Card can do for you.
Achieve more while you gain incredible member benefits and rewards that allow you to make your dreams possible with each purchase.
Apple, Google, and Samsung Pay™ Ready
Use Apple™, Samsung™, or Google Pay™ on your mobile device to make purchases online or in stores without swiping your card or entering payment information.
Here’s what you need to do to get started:
- Download your respective app and enter the requested information
- Call the phone number that appears to validate your card and complete the enrollment process.
- Verify your most recent transaction
- Once the merchant name and amount is provided, your card will be verified.
For additional information, visit Apple Pay™, Google Pay™ or Samsung Pay™ to learn more.
Rates, terms and fees
|
Charges & Fees |
Terms |
|---|---|
|
¹Variable 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. The rates and terms shown are effective as of November 1, 2024. |
|
|
Charges & Fees Purchase, Balance Transfer and Cash Advance APR1 |
Terms 12.90%-18.00% When you open your account, determined by your credit worthiness.1After that, APR will vary with the market based on the Prime Rate and a margin determined by credit history. |
|
Charges & Fees How to Avoid Paying Interest on Purchases |
Terms 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 you avoid paying interest. |
|
Charges & Fees Minimum Finance Charge |
Terms There will be up to a $1.00 minimum finance charge assessed. |
|
Charges & Fees For Credit Card Tips from the Consumer Financial Protection Bureau |
Terms 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 |
|
Charges & Fees Annual Fee |
Terms None |
|
Charges & Fees Balance Transfer Fee |
Terms 3% of each balance transferred, or $30.00, whichever is greater. |
|
Charges & Fees Cash Advance Fee |
Terms Either $2.00 or 2% of the amount of each cash advance, whichever is greater. |
|
Charges & Fees Foreign Transaction Fee |
Terms None |
|
Charges & Fees Late Payment Fee |
Terms 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. |
|
Charges & Fees Over the Credit Limit Fee |
Terms None |
|
Charges & Fees Returned Payment Fee |
Terms Up to $25.00 |
|
Charges & Fees Card Replacement Fee |
Terms Up to $5.00 |
|
Charges & Fees Balance Computation Method |
Terms Average Daily Balance |
We’re here to answer your questions.
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.
If you have questions or wish to dispute a charge, please call 866-820-2904 or send a letter to:
Customer Service
P.O. Box 31112
Tampa, FL 33631-3112
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.
Yes. Using the funds in your share savings account as collateral, your credit limit is equal to this amount. This is a great option for those looking to build or rebuild credit.
For 24-hour Cardholder Service, please call 866-820-2904.
Dispute fraudulent charges directly using Online Banking by going to Cards > Manage Card, navigating to the transaction you want to dispute, and clicking on the arrow next to the charge, and clicking on “Report an Issue”.
You can also immediately notify us of the unauthorized use by calling 866-820-2904. 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.
Previously, you would have only received a personal call from a live agent if card fraud was suspected. With our new system, cardholders will immediately receive automated suspicious activity alerts in the following order. We will not ask for your card number during verification, however, you will receive a four-digit case number to provide to our live agent for verification.
1. Text message and email (if cell phone and/or email are listed on member’s account)
2. Automated call with instructions
Not finding what you’re looking for? Contact us
Our members say the nicest things.
I have been a member with LFCU for over 3 decades and the family service has never diminished. I go back to Patrick, Abbey, and Jack Welty who were there from the beginning setting the community banking standards. I vividly remember they were always there for the customer. No question was too small and they always answered your phone call. Working with Jermaine and Alieu has been nothing short of outstanding. To that end, I am clear that they continue to maintain the standards and level of customer service that the above-mentioned LFCU luminaries committed to over three decades ago. With mortgage rates so competitive, I did have a competing offer on a 30-year fix mortgage, but chose to stay with the LFCU family because of the great customer service.
Alonzo F. Member for over 30 Years
Related resources
Explore our blog for tips, practical advice, and financial guides to help you manage your money responsibly.
The Financial Independence, Retire Early (FIRE) Movement: A Guide for Xers, Millennials, and Zoomers.
The Financial Independence, Retire Early (FIRE) movement took root after the publication of Your Money or Your Life, the 1992 book by Vicki Robin and Joe Dominguez, which advocated for a lifestyle of intentional spending, high savings rates, and mindful investing. A challenge to the traditional work-to-retire-later model, the book encouraged readers to consider how…
Read more
Thinking Ahead: A parent’s guide to setting up an IRA for your kids.
Given the chance, what parent wouldn’t want to help secure their child’s financial future? That may seem like pie-in-sky dreaming for many middle and lower-income families, but it’s really not. As a parent, there actually is something you can do that can help to secure their future financial security: open and fund a ROTH IRA…
Read more
Emergencies Happen: Your ultimate guide to evacuation preparedness.
The risks and dangers posed by natural disasters are increasing. Hurricanes, wildfires, floods, and earthquakes are becoming more frequent, intense, and impacting more people, including residents of areas who never expected to be caught in their paths. In large-scale disasters, such as the Milton and Helene hurricanes, millions of people were told to evacuate. Many…
Read moreThere’s even more to explore.
The best place to borrow, no matter what your needs are.
Borrow the money you need to fund your vacation, make improvements to your home, or consolidate your high interest debt.
Get access to card services, alerts, and so much more.
Available 24 hours a day, 7 days a week, take advantage of free convenient access to your accounts through our secure Online Banking.
Ready to apply for a credit card?
Monday-Friday 8:30am – 4:00pm
Audio Response 24/7
301-929-7990
1-800-888-6560 (toll-free)
Back to top Disclosures
1Your 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. 2Must spend $5,000 within the first 90 days of credit card account opening to earn the 50,000 bonus reward points. Points are applied to the credit card account within 30 days after the required $5.000 spend threshold is met. Other restrictions may apply.
Lafayette Federal is an equal opportunity lender.
