Credit Cards

Young woman with laptop and credit card

Choose the card that works for you!

We take pride in our credit card options 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 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 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 Travel and Emergency Assistance Services Guide for full details.

 

Credit Card Payments

Our Visa Platinum, Platinum Plus and Platinum Rewards credit cards all have payment due by the 7th of each month. Credit card statements are created at the end of the business day on the 10th of each month. The end of the business day on the 10th of each month is also the latest payments are accepted before a late payment penalty is applied to the account. The minimum monthly payment is 3% of the new balance but at least $20 minimum or the new balance if less than $20. Payments received by us at an office location which we own and operate will generally be processed and reflected in your available balance on the day they are received.

Late Payment Fee: A late payment fee up to $20 may be imposed if the required minimum payment due is not received by the due date listed on the monthly periodic statement.

Returned Payment Fee: A returned payment fee of $10 may be imposed if your payment is returned for any reason.

NOTICE: Please be aware that payment(s) from an external account at another financial institution may take up to three (3) business days to process. Please take this into account if paying from another financial so that payment is received by the 7th of each month.


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.
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