LPECU Visa Credit Card
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                                    Visa Credit Card

We offer a classic VISA Credit Card at 12.9% fixed rate with credit lines up to $10,000.00. There is no annual fee for this card.

If you are approved for an account, the credit union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") that you will have outstanding on your account at any time. If you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to the credit union. The credit union has the right to reduce your credit limit, refuse to make an advance and/or to terminate your account at any time for any reason not prohibited by law.

Finance charges - a finance charge will be imposed on credit purchases only if you elect not to pay the entire new balance of purchases shown on your monthly statement for the previous billing cycle within twenty-five (25) days from the closing date of that statement. A finance charge will be imposed on cash advances from the date of the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later, and will otherwise be calculated in the same manner as credit purchases.
The following other charges (fees) will be added to your account, if applicable:

• Over-the-Credit-Limit Fee: $25.00 for each month until the balance on the statement date is below your credit limit.
• Late Payment Fee: $25.00
• Return Check Fee: $30.00
• Card Replacement Fee: $10.00 (first one free)
• Collection Cost Fee: to the extent permitted by law, you will also be required to pay the credit union's 20% collection expenses, including court costs and attorney's fees.