Credit Cards

Young woman with laptop and credit card

We’ve upgraded our credit card servicing system!

Here’s to a better, more streamlined card-using experience! Our new credit card platform is fully integrated into our online and mobile banking systems, so you can:

  • Access all your credit card account information within online/mobile banking. (No more separate website! Yippee!)
  • Make a credit card payment and see the payment in real time. (No more waiting!)
  • View your credit card statement under the Documents tab, if you’re signed up for eStatements.
  • See your transaction history without going to a separate website. (Yep, it’ll all be right there!)
  • Access the Linn Area Rewards site via online/mobile banking, if you have a Visa® Platinum Rewards card.

New Visa® credit cards will be mailed out the week of July 13. Each member will be issued a unique credit card number, even if there are multiple cards on the same account. Separate card numbers will help us answer your questions better, because we’ll be able to identify which card was used. Plus, if one card becomes compromised, you’ll still be able to use the other card on the account.

Side note: If you have a Rewards card, rest assured that all of the points you’ve worked so hard to earn will transfer over to your new Rewards card. Unfortunately, they won’t pop into your account until sometime in August. We’ll let you know when that happens via email (if you’ve opted to receive emails). You may want to check back here, too, especially if you don’t receive our emails.

If you have questions, take a peek at our handy-dandy Credit Card System Upgrade Q&A sheet. If you still have questions, feel free to contact us!


Choose the card that works for you!

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

The Visa Platinum Rewards card allows you to earn points with every purchase! Redeem for cash, travel, and merchandise. (You can even use your points to donate to charity!) To see all the cool stuff you can earn, visit https://rewards.mylacu.org.

  • Earn one point for every dollar you spend on purchases
  • 10.90% APR*
  • 25-day interest-free grace period on purchases
  • Minimum payments are only 3% of your balance each month ($20 minimum)
  • No annual fee
  • No balance transfer fee

To see how many points you have earned or to check out your reward options, access your account through online banking or mobile banking. For any questions regarding your Rewards program, call (866) 662-2041.

Apply Now!

View the Visa Platinum Rewards Card Disclosure for full details.

View the Visa Warranty Manager Service Guide for full details.

View the Visa Travel and Emergency Assistance Services Guide for full details.


Visa® Platinum Plus

Our lowest rate! If you typically carry a balance from month to month and have good to great credit, this is the card for you!

  • 9.90% APR*
  • 25-day interest-free grace period on purchases
  • Minimum payments are only 3% of your balance each month ($20 minimum)
  • No annual fee
  • No balance transfer fee

Apply Now!

View the Visa Platinum Plus Card Disclosure for full details.

View the Visa Warranty Manager Service Guide for full details.

View the Visa Travel and Emergency Assistance Services Guide for full details.


Visa® Platinum

The Visa Platinum card is great for building your credit rating. Enjoy a reasonable rate with the added value of working with a local credit union you can trust.

  • 13.80% APR*
  • 25-day interest-free grace period on purchases
  • Minimum payments are only 3% of your balance each month ($20 minimum)
  • No annual fee
  • No balance transfer fee

Apply Now!

View the Visa Platinum Card Disclosure for full details.

View the Visa Warranty Manager Service Guide for full details.

View the Visa Travel and Emergency Assistance Services Guide for full details.


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 Linn Area credit card.

Get Your Credit Report

Everybody gets one free copy of their credit report each year from each of the three credit bureaus.


*APR = Annual percentage rate. All loans subject to approval. Rates, terms, and conditions are subject to change. For more information about our credit card terms and conditions, please contact us.
Equifax data breach: 143 million people could be affected UPDATE 9/11/17: The Equifax data breach situation is continually evolving. According to Equifax, the company has adjusted the TrustedID Premier product Terms of Use. For more information and other updates, visit…
Well hello again! Welcome to your third installment of Back To the Basics: Credit Style. I hope you’re learning lots about the three little numbers that rule the financial world! I think today’s topic is really going to peek your…