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:
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.
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.
*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)|
|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.