Louisiana Federal Credit Union banking in louisiana

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banking in louisiana

ONLINE BANKING
banking in louisiana

LIFESTAGES

Off to school
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Retirement
banking in louisiana

THE TOOLBOX

Auto Buying Center
Real Estate Center
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Online Forms/Applications
banking in louisiana

WHAT BUGS YOU?

Got a gripe? We want to hear about it.
banking in louisiana

Credit Cards

Why carry a Louisiana FCU Visa? Unlike most banks and financial institutions, we offer a fixed rate on your card – not a variable rate that changes month to month like our competitors do. And, cash advances have the same low rate as purchases – another way we’re better! Other benefits include:

  • Low, FIXED annual percentage rates
  • NO annual fees
  • NO fees for balance transfers or cash advances
  • 25-day interest-free grace period for purchases
  • Worldwide acceptance at more than 11 million locations
  • Automated payments through Call24 or our Online Account Access

Cards we offer include:
Platinum Rewards

  • Auto rental insurance
  • Travel & emergency assistance
  • Warranty manager service
  • ScoreCard Bonus Points
  • Concierge service
  • $1,000,000 of travel accident insurance

Platinum

  • Auto rental insurance
  • Travel & emergency assistance*
  • Warranty manager service*

Platinum Smart Start
The Smart Start Visa is for members who are seeking their first credit card, or trying to re-establish credit.

  • Limit of up to $2500
  • No annual fee
  • Auto rental insurance

Platinum Student Advantage
This Visa is perfect for the school-enrolled student. With a 0% rate, you can use this card to balance school and life while you focus on your future. Simply complete the “Guides to Independence: How to Manage Debt” online course and submit your completion certificate with your application.

*May not apply to all cards.

PLATINUM REWARDS

PLATINUM

PLATINUM STUDENT ADVANTAGE

Annual Percentage Rate for Purchases, Cash Advances, & Balance Transfers

7.9%

9.9% – 15.9%

0.0%

Other APRs

Platinum Student Advantage Default APR: 15.9%* (see explanation below)

Annual Fee

None

Minimum Finance Charge

None

Transaction Fee for Purchases

None

Grace Period for Purchases

25 days from the date of periodic statement (if you paid your previous balance in full by the due date)

Method for Computing the Balance for Purchases

Average Daily Balance (including new purchases)

Foreign Transaction Fee

1% (FINANCE CHARGE)

Fees:
Over Credit Limit
Late Payment Fee
NSF Fee


$25
$25
$25

Louisiana FCU does not charge a transaction fee for cash advances or balance transfers. The grace period does not apply to cash advances or balance transfers.
*Student Advantage Default APR: If your account balance exceeds your credit limit or if you fail to make the minimum payment by the due date shown on your monthly statement for a billing cycle, the APR on the balance of purchases and cash advances will be 15.9%. After six consecutive billing cycles of remaining below your credit limit and making your minimum payment by the due date, you may apply to see if your account is eligible for reinstatement of the 0.00% APR stated above.
banking in louisiana
banking in louisiana

© 2008 Louisiana Federal Credit Union. P.O. Box 1956, LaPlace, LA 70069. Phone: (985) 652-4990 • Toll-free: (888) 652-4990 • Fax: (985) 651-8001. Equal Housing Lender. Your savings
federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.