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Smart Value. Smart Savings. That's what's behind our Visa credit cards. Whether you select our
Platinum or Share Secured you know you're getting a competitive
rate, no annual fee and a card loaded with perks. So, if you're traveling, shopping or dining, we have the right card for you.
Plus, get 3.9% APR*
on all balance transfers and purchases for 6 months!
Whatever your needs, you'll find all the features you've been looking for in all our credit cards such as:
- No annual fee
- No cash advance fee
- Zero Liability lost/stolen card reporting
- 25-day grace period on purchases
- Internet Authentication Service - Verified by VisaTM proves you are who you say you are when buying online at participating merchants.
- Access to your money at thousands of ATMs
- Auto Rental Insurance
- Free balance transfers up to your credit limit - so you can pay off your more expensive credit cards.
- Fraud protection - 24/7 fraud monitoring and verification of any potentially fraudulent transactions prior to authorization.
- Overdraft protection option - Automatically advances from Visa card to LCCU checking account to protect you in case of overdraft.
- Auto Rental Collision Damage Waiver (CDW) - Eliminates the need to pay for the car rental collision damage waiver on most passenger vehicles.
- Visa Global Customer Assistance Services (GCAS) - 24/7 emergency services to Visa cardholders around the world. The service reports lost or stolen Visa cards, arranges for emergency card replacements and cash disbursements and provides customer information services.
Loan Application Made Easy
To make applying for your loan quick and easy, choose from one of the following application processes to get started:
Helpful Information
and Links
Request a Credit Card Agreement
If you would like to request a copy of
your Credit Card Agreement, please contact us at
360.834.3611 or toll-free at 888.834.3611.
Credit Counseling
If you would like information about
credit counseling services please call
866.853.2227.
New Credit Card Rules
Click here to read the new credit card rules and
access the Consumer's Guide to Credit Cards, provided by the Federal
Reserve System.
For further information regarding the
recent CARD Act Rules please visit the
Federal
Reserve website.
*
The promotional balance Transfer APR is good for all balance
transfers for the first six billing cycles. Beginning on the first day
of the seventh billing cycle, the Periodic Rate and corresponding APR
will increase to the standard rates set forth in section (12) for
purchases and cash advances. Your Balance Transfer APR may end sooner if
any Total Minimum Payment Due is not received by the Payment Due Date.
Then, as of the first day of the billing cycle in which the event
occurs, the Balance Transfer APR will end. Thereafter, the APRs for all
new and outstanding Balance Transfers will be increased to the APR as
set forth in your Credit Card Agreement. Please note the Balance
Transfer APR does not apply to purchases or cash advances.
See your Credit Card Agreement for any
other applicable transaction fees.
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