Last Updated: 04/18/2025
Local Government Federal Credit Union Visa Credit Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
Starting at 9.75%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
Starting at 9.75%(Verified 06/21/2024)
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Credit Score Range
670 - 850
Annual Fee
$0
Local Government Federal Credit Union Visa Credit Card Review
This is a 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.
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 up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Local Government Federal Credit Union Visa Credit Card
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Local Government Federal Credit Union Visa Credit Card 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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 Local Government Federal Credit Union Visa Credit Card?
The customer service number for Local Government Federal Credit Union Visa Credit Card 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.
What is the login page for Local Government Federal Credit Union Visa Credit Card?
You can access the login page of Local Government Federal Credit Union Visa Credit Card here.
How do people rate the customer service and user experience of Local Government Federal Credit Union Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 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 Local Government Federal Credit Union perform a hard credit pull?
Yes, Local Government Federal Credit Union Visa Credit 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 Local Government Federal Credit Union Visa Credit Card
- Visit the website of Local Government Federal Credit Union Visa Credit 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
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