Credit Cards

Why carry a Louisiana FCU Visa?
So you never have to play guessing games with your finances again. 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.

Things come up. With a Louisiana FCU Visa, cash advances have the same low rate as purchases – just another way we take better care of our family. 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


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

Platinum Smart Start

Jump-start your credit. Building good credit opens the doors for financing bigger purchases like a car or a home down the line. 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

The cost of textbooks can really stack up. This Visa is made specifically 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.

  • 0% interest
  • Card good for 2 years
  • Auto rental insurance

*May not apply to all cards.


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)
Late Payment Fee


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.


Click here to check your Score Card Bonus Reward points.

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Deposit and loan products offered by: Louisiana Federal Credit Union, Member NCUA, An Equal Housing Lender

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency


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Louisiana FCU
P.O. Box 1956
LaPlace, LA 70069

Phone: 985.652.4990
Toll-free: 888.652.4990
Fax: 985.651.8001
Routing # 265476411