woman shopping online

Credit Cards

Convenient, secure, and accepted worldwide.

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.

Benefits

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Earn CURewards

For every dollar you spend, you earn points towards merchandise and travel expenses. Visit the CURewards Store.

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Score 50,000 bonus points

For a limited time, earn 50,000 reward points when you spend your first $5,000!2 – that’s a $500 redemption value!

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Purchasing peace of mind

Experience the credit union difference with no annual fee, no foreign transaction fee, and low purchase, balance transfer and cash advance APR1

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Card controls

Customize alerts for your credit card and receive notifications to your phone or email anytime your card is used.

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Online account access

Get access to bill pay, card alerts, and open a new account using our Online Banking.

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Lower rates

Pay down your balance faster and save on interest payments with lower rates compared to traditional banks

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.

 

couple paying for lunch with mobile pay

Rates, terms and fees

Mastercard® Credit Card

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 May 1, 2024.

Charges & Fees

Purchase, Balance Transfer and Cash Advance APR1

Terms

13.40%-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

Ready to apply for a credit card?

Apply Online
Get started
Apply in-person
Find your nearest branch
Call us

Monday-Friday 8:30am – 4:00pm
Audio Response 24/7
301-929-7990
1-800-888-6560 (toll-free)

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.

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