Small payments, Big rewards
Two Great Credit Card Options
We offer two fantastic Visa Credit Cards that can be used anywhere. Both cards earn 1 point for every dollar you spend—no exceptions or gimmicks¹. Redeem your points for a variety of great rewards, including cash back, gift cards to your favorite stores, or even flights for your dream vacation.
- VISA Platinum with credit limits up to $15,000
- VISA Classic with credit limits up to $5,000
Visa
Rates Effective as of: 07-16-2025
| A.P.R. | Cash Advances APR | Balance Transfers APR | Minimum Finance Charge | Annual Membership Fee | Grace Period | Late Payment Fee | Over the limit fee |
|---|---|---|---|---|---|---|---|
| Classic VISA 15.90% | 15.90% | 15.90% | 0.00% | $0.00 | 25 Days | $15.00 | $15.00 |
| Platinum Visa 12.90% | 12.90% | 12.90% | 0.00% | $0.00 | 25 Days | $15.00 | $15.00 |
A.P.R. = Annual Percentage Rate
Yes, you can view your VISA Credit Card details online using the LFCU Mobile App or Online Banking.
You’ll be able to:
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Check your balance
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View transactions
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Set up Auto-Pay
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Analyze your spending
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Set up alerts
Our Classic VISA Credit Card offers credit limits of up to $5,000, depending on creditworthiness and other qualifying factors. All LFCU members — including those with lower credit scores — are eligible to apply for the Classic VISA. (Visit the Rates tab for the most up-to-date interest rate information.)
For members with a credit score of 700 or higher, the Platinum VISA Credit Card is available, featuring limits up to $15,000 and a lower interest rate than the Classic VISA. (See the Rates tab for details on current interest rates.)
You can make a payment in three different ways! Transfer funds using the LFCU Mobile App or Online Banking, or give us a call at 906-341-5866 and we’ll process your payment over the phone.
Credit card payments are due by the 28th of each month.
Yes, you can schedule payment transfers using the LFCU Mobile App or Online Banking.
Mobile App:
Log in to your account, select the Move Money tab at the bottom of the screen, then tap Schedule a Transfer at the top. Follow the prompts to set up your transfer.
Online Banking:
Log in to your account through the Online Banking portal. Under Money Management on the left-hand side, click Schedule Transfer and follow the prompts.
If you plan to use your card while traveling, please call us at 906-341-5866 and provide your travel dates to avoid any disruptions.
If your card is lost or stolen, call VISA immediately at 800-991-4961.
Sneak Peek the New Visa Credit Card
We’re updating our credit card image—look out for the new design launching August 1, 2025!
If you’re already a cardholder, there’s no need to worry. You’ll automatically receive the updated card when your current one expires. Stay tuned!
Enjoy the added security of your chip-enabled card.
NEW! Save This Number
Save this number to report fraud, for card activation assistance, and to set-up your PIN.
Your card, our pleasure
Fill out our easy online application, and we'll let you know ASAP if you're approved.
Swipe, Earn, Repeat
Cash in on fun member perks with every swipe you make!
At Limestone FCU, we offer our members a great rewards points program. Through Dream Points Rewards, members can earn build up points to spend on awesome products and services.¹
Dream Points Rewards
New Visa Credit Card FAQs
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Not immediately. You’ll receive the updated card design automatically when your existing card reaches its expiration date.
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Yes, all newly issued credit cards after August 1, 2025, will be mailed with the updated design.
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No, the updated card design will not impact your online banking account in any way.
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No, the new card design will not impact your rewards program. You’ll continue to earn and access your rewards just as you do now, with no changes to your account or redemption process.
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You can insert the EMV chip or swipe the magnetic stripe, just as you would with your previous card. Online purchases will also work the same way as before.
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Both the card and the terminal will have the contactless symbol noted.
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Contactless payment availability may vary based on the terminal’s capabilities, merchant preferences, transaction location, or purchase amount. In some cases, you may also be asked to provide your signature or enter your PIN.
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Yes. You can still use your card to get cash, check your balance and more.
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Use your dual interface EMV chip card at the same places you do now. Tap or insert your card at EMV enabled terminals or swipe your card at terminals that have not yet switched. You can use your card as you did before for online payments, telephone payments and at ATMs/ITMs.
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¹Dream Points Rewards points are not awarded for pin based transactions. Visit your Dream Points Rewards account to activate the reward and view the terms and conditions. Must be a member of Limestone FCU and use your Limestone FCU debit or credit card to qualify.
