SuperMoney
  Local Government Federal Credit Union Visa Credit Card

Local Government Federal Credit Union Visa Credit Card

in Personal Credit Cards from Local Government Federal Credit Union

Unaffiliated

Local Government Federal Credit Union Visa Credit Card

Unaffiliated

in Personal Credit Cards from Local Government Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Local Government Federal Credit Union Visa Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) Starting at 9.75%
Balance Transfer APR  (Variable APR) Starting at 9.75%
Credit Score Range 670 - 850
Annual Fee $0

Local Government Federal Credit Union Visa Credit Card Review

This is a credit card issued by Local Government Federal Credit Union. If you're wondering whether Local Government Federal Credit Union Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 1% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Local Government Federal Credit Union Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Local Government Federal Credit Union Visa Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Local Government Federal Credit Union Visa Credit Card FAQ

Does Local Government Federal Credit Union Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Local Government Federal Credit Union Visa Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Local Government Federal Credit Union Visa Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR starting at 9.75% . The card has a variable balance transfer APR starting at 9.75% . It also has a variable cash advance APR starting at 9.75% .

Does Local Government Federal Credit Union Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Local Government Federal Credit Union Visa Credit 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 Local Government Federal Credit Union Visa Credit Card?

The following fees apply:

  • There is no overlimit fee
Local Government Federal Credit Union Visa Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Late Payment Fee up to $5

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Local Government Federal Credit Union Visa Credit Card have a foreign transaction fee?

Local Government Federal Credit Union Visa Credit Card charges a foreign transaction fee of 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 Local Government Federal Credit Union Visa Credit Card?

The Local Government Federal Credit Union Visa Credit Card customer service number is (888) 732-8562.

What is the support contact email for Local Government Federal Credit Union Visa Credit Card?

The support contact email for Local Government Federal Credit Union Visa Credit Card is info@lgfcu.org.

Does Local Government Federal Credit Union Visa Credit Card report your account activity to credit bureaus?

Yes, Local Government Federal Credit Union Visa Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Local Government Federal Credit Union Visa Credit Card

  • Visit the Local Government Federal Credit Union Visa Credit Card website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 5:00am - 2:00am
  • Tuesday 5:00am - 2:00am
  • Wednesday 5:00am - 2:00am
  • Thursday 5:00am - 2:00am
  • Friday 5:00am - 2:00am
  • Saturday Closed

About Local Government Federal Credit Union Visa Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) Starting at 0%
Minimum Cash Advance Fee ($) Starting at $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Starting at $5
Late Fee Amount Up to $5
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 9.75%
Balance Computation Average daily balance.
Purchase APR (Variable APR) Starting at 9.75%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer APR (Variable APR) Starting at 9.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Be the first to rate

 

Would you recommend Local Government Federal Credit Union Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards