Helping you get there.

credit-cards

Credit Cards

apply

Why carry a Louisiana FCU Credit Card? 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 Credit Card, 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
  • Automated payments through your Credit Union online banking account

Cards we offer include:

Platinum Rewards

 
Platinum Student Advantage Rewards

The cost of textbooks can really stack up. This credit card 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
  • MasterCard Rewards
  • Identity Theft Resolution Services
  • Extended Warranty

 

 PLATINUM REWARDSPLATINUM STUDENT ADVANTAGE REWARDS

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

7.9% – 15.9%0.0%
Other APRsPlatinum Student Advantage Rewards Default APR: 15.9%* (see explanation below)
Annual FeeNone
Minimum Finance ChargeNone
Transaction Fee for PurchasesNone
Grace Period for Purchases25 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 PurchasesAverage Daily Balance (including new purchases)
Foreign Transaction Fee1% (FINANCE CHARGE)
Fees:
Late Payment Fee
NSF Fee

$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.
*Platinum Student Advantage Rewards 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.

 

If you are traveling, please contact our Account Services Team with your travel dates and destinations. This will allow us to lift out-of-state/out-of-country restrictions so that you can use your Louisiana FCU credit and debit cards with zero issues.

apply

At times, we may provide links to sites outside the control of our institution.
We do not make any representations concerning the linked sites' contents or availability.
You should review each site's privacy and information security policies carefully before you enter confidential information.

 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

ehl.ncua

© Louisiana Federal Credit Union. All Rights Reserved.Marketing and Website provided by SPC

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

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