Credit Cards

Young woman with laptop and credit card

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.)


Special Offer

You picked a great time to check out our awesome credit cards! We have a credit card promotion going on right now, offering a limbo-low rate, plus DOUBLE points if you get a Visa® Platinum Rewards card!

Not a Linn Area member? Get details!

Already a Linn Area member? Get details!


Visa® Platinum Rewards

The Visa Platinum Rewards card allows you to earn points with every purchase! Redeem for cash, travel and merchandise. To see all the cool stuff you can earn, visit www.selectyourrewards.com/choicerewards.

  • 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 My Card Info or eBranch, our free online banking service. For any questions regarding your Rewards program, call (866) 965-2582.

Apply Now!

View the Visa Platinum Rewards Card Disclosure 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.


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.


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.

Verified by Visa

This feature will help protect your Linn Area VISA credit card when making purchases online. Enroll your card today.


*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.

Let us consolidate your high-rate debt! Chances are you're paying high interest to one or more credit card companies, which means it's taking longer to pay off any outstanding balances. Whoa! That's where a balance transfer to LACU can help…
We’re all at different points in our financial journey. Whether it’s your first time around the block or you’re an old pro, it’s a really great idea to go back to basics and revisit the three little numbers that make…