VISA Credit Cards

0% VISA® Platinum Credit Card*

On ALL Balance Transfers For First 6 Months For Qualified Borrowers*

LOC Federal Credit Union is providing you with all the right reasons to make the switch now to our VISA® Platinum program. Even if you already have an LOC VISA, you can take advantage of this great offer too!

• If you have department store credit cards, you could be paying high interest rates. Pay them off with an LOC VISA at 0% APR!
• If you have a deferred payment program coming due soon, pay it off with a 0% LOC VISA.

Click here to apply for your LOC VISA Platinum, and arrange to transfer those other credit card balances to LOC.

After the six month promotional period, your Annual Percentage Rate (APR) is determined by your credit score. The higher score is used on joint applications.

*APR = Promotional Annual Percentage Rate of 0%. Promotional APR available for new balance transfers only. Existing credit balances remain at your current APR. After the 6-month period, all balances revert to the APR disclosed on your credit card agreement. There is no limit to the number of balance transfers that can be made up to your approved credit limit, however, the 6-month period starts from the time of your first balance transfer. For qualified borrowers. After the six month promotional period, your Annual Percentage Rate (APR) will be 9.9% - 17.00%, based on each member’s individual creditworthiness. Promotion subject to change. Cannot be used to pay on existing loans at LOC.

Share Secured VISA Platinum Credit Card

LOC offers a Share Secured VISA Platinum credit card, which allows you to secure your credit limit with the funds in your regular share account. Just some of the features of this program include:

• A low 6% APR*
• No annual card fee
• Minimum limit of $300 and maximum of $10,000
• Funds secured in the regular share account are not available while the credit card is open

Click here to apply for the Share Secured VISA Platinum credit card.

*APR = Annual Percentage Rate. Funds must be available in the regular share account before a Share Secured VISA Platinum credit card application can be processed.

Lost or Stolen VISA Platinum Credit Card

If you need to report your VISA Platinum Credit Card lost or stolen, or to obtain account information, call 1-866-604-0381