Last Updated: 07/28/2025
Lake Michigan Credit Union Prime Platinum Visa Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
720 - 850
Annual Fee
$0
Lake Michigan Credit Union Prime Platinum Visa Card Review
This is a card issued by Lake Michigan Credit Union. If you're wondering whether Lake Michigan Credit Union Prime Platinum Visa Card is the right card for you, read on.
Key Takeaways
- APRs: Lake Michigan Credit Union Prime Platinum Visa Card has a variable regular purchase APR that ranges from 10.50% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Lake Michigan Credit Union Prime Platinum Visa Card
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Lake Michigan Credit Union Prime Platinum Visa Card FAQ
Does Lake Michigan Credit Union Prime Platinum Visa Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Lake Michigan Credit Union Prime Platinum Visa Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Lake Michigan Credit Union Prime Platinum Visa Card has a variable purchase APR that ranges from 10.50% up to 18%. The card has a variable balance transfer APR that ranges from 10.50% up to 18%. It also has a variable cash advance APR that ranges from 10.50% up to 18%.
Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Lake Michigan Credit Union Prime Platinum Visa Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Lake Michigan Credit Union Prime Platinum Visa Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Lake Michigan Credit Union Prime Platinum Visa Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Lake Michigan Credit Union Prime Platinum Visa Card have a foreign transaction fee?
Lake Michigan Credit Union Prime Platinum Visa Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Lake Michigan Credit Union Prime Platinum Visa Card?
The customer service number for Lake Michigan Credit Union Prime Platinum Visa Card is (800) 242-9790.
What is the support contact email for Lake Michigan Credit Union Prime Platinum Visa Card?
The support contact email for Lake Michigan Credit Union Prime Platinum Visa Card is communityrelations@lmcu.org.
What is the login page for Lake Michigan Credit Union Prime Platinum Visa Card?
You can access the login page of Lake Michigan Credit Union Prime Platinum Visa Card here.
How do people rate the customer service and user experience of Lake Michigan Credit Union Prime Platinum Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Lake Michigan Credit Union Prime Platinum Visa Card report your account activity to credit bureaus?
Yes, Lake Michigan Credit Union Prime Platinum Visa Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Lake Michigan Credit Union perform a hard credit pull?
Yes, Lake Michigan Credit Union Prime Platinum Visa Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Lake Michigan Credit Union Prime Platinum Visa Card
- Visit the website of Lake Michigan Credit Union Prime Platinum Visa Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM