9.9% APR fixed rate • no annual fee • 25 day interest-free grace period • limits of $500 and higher

We have a credit card that is only for our members who are 16 through 22. It’s not just an awesome deal – it looks cool too! (Not a member? Click here and fill out our membership application.)

BUT HOW CAN YOU GET A GOOD CREDIT CARD IF YOU DON’T HAVE ANY CREDIT?
With Linn Area Credit Union’s Plugged In card! Use this card wisely and try to pay your balance in full every month – this is the best way to establish good credit. We aren’t going to try to rip you off, either. We want to help you establish a good financial future. There isn’t any fine print with this card; all of the card’s terms are listed at the bottom of this page.

YOU KNOW WHAT YOU WANT:
A cool-looking credit card with no annual fee, a 25 day, interest-free grace period on the things you buy, and a low interest rate of only 9.9% APR. That is a fixed rate, but it can change if you are late making your payments. So if you pay on time, you’re fine!

READY FOR IT?
Great! You can apply online. If you are 17 or under, you need to list mom or dad’s information so we can get parental consent. It doesn’t mean they will be joint on the credit card (unless you want them to be); it’s just one of those legal things.

WANT SOME FREE STUFF?
We have a very short (we’re talking 5 minutes here) quizlet about credit card basics (trust me, it’s quick and painless). You’ll get some good info, plus you get a cool freebie for doing it when you apply for the card. Right now we're giving away these fun compressed t-shirts.

IMPORTANT DISCLOSURE INFORMATION

• The Penalty Rate for balances that are 60 days or more past due is 15.9% APR.
• Fee for making a late payment: $15
• Fee for going over your credit limit: $15
• Fee for paying with check that bounces: $15
• Fee to make a cash advance:
      2% of Advance Amount, Minimum $1,
      Maximum $5.
      This fee is waived for Balance Transfers.