Incredible credit cards

We take pride in our credit card portfolio and offer the best cards possible for our members. You won’t find much fine print and we haven’t changed our rates since 1999. (Hairstyles, yes. Rates, no.)

Visa Platinum Rewards

Earn one point for every dollar you spend on purchases to use toward merchandise, travel, event tickets, activities, gift cards or account credits.

Has a low interest rate of 10.90% APR, no annual fee and a 25-day interest-free grace period on purchases.

To see how many points you have earned or to see what you can purchase with your earned points, go to the Choice Rewards website (you don’t have to log in, click “Continue” then “Browse Only”). Take up to 24 months to use your points.

APPLY FOR THIS VISA PLATINUM REWARDS CARD ONLINE.

Click here for more information about this card.

Visa Platinum

Has a low interest rate of 9.90% APR, no annual fee and a 25-day interest-free grace period on purchases.

Click here for full details about this card.

Plugged In Visa

Exclusively for our members who are 16 – 22. Designed to be a first credit card with a low rate and lower limit. Part of the education package offered with our Plugged In program.

Low interest rate of 9.90% APR, no annual fee and a 25-day interest-free grace period on purchases.

Click here for full details about this card.

MasterCard

Has an interest rate of 13.80% APR, no annual fee and a 25-day interest-free grace period on purchases.

Minimum payments are only 3% of your balance each month.

Click here for full details about this card.

Visa Classic

Has an interest rate of 13.80% APR, no annual fee and a 25-day interest-free grace period on purchases.

Minimum payments are only 3% of your balance each month.

Click here for full details about this card.

Business Visa

Has an interest rate of 7.25% APR

No monthly service fee

Click here for full details about this card.

*APR = Annual Percentage Rate

Credit Card Rates No fluctuating, variable rates. Just good, low rates that haven’t changed since 1999.	Balance Transfer Form Here’s your chance to transfer your credit and department store card balances onto your low-rate LACU credit card.
Your LACU Credit Card Online Access all of the information about your LACU credit card account online. You can sign up for e-Statements, pay your bill and do other wild and crazy stuff!	Get Your Credit Report Everybody gets one free copy of their credit report each year from each of the three credit bureaus.
Photo Card Customize your credit card plastic with your favorite photo. What will your card show?	LACU’s Cardholder Agreement Terms and agreements to using a Linn Area Credit Union credit card.
Verified by Visa This feature will help protect your Linn Area VISA credit card when making purchases online.  Go here for more information or to enroll your LACU VISA card.	Loan Insurance Credit life and credit disability insurance