Credit Cards

Visa® Platinum Credit Card

PLATINUM 2026(2)
RATE AS LOW AS 10.40% APR*
MAX RATE AS HIGH AS 17.90% APR*
FIXED RATE¹ X
MINIMUM CREDIT LIMIT $5,000
PROMO AND REGULAR BALANCE TRANSFER OPTIONS X
VISA PROMO  PROMOTION: VISA® BALANCE TRANSFER
NO ANNUAL FEE X
FREE ONLINE ACCESS X
MULTIPLE PAYMENT OPTIONS X
REWARDS Visit the ExtraAwards® webpage by logging into NetTeller Online Banking.

For support and redemption questions call 855-854-5493

Visa® Classic Credit Card

CLASSIC 2026
RATE AS LOW AS 12.90% APR*
MAX RATE AS HIGH AS 17.90% APR*
FIXED RATE¹ X
MINIMUM CREDIT LIMIT $500
PROMO AND REGULAR BALANCE TRANSFER OPTIONS X
VISA PROMO  PROMOTION: VISA® BALANCE TRANSFER
NO ANNUAL FEE X
FREE ONLINE ACCESS X
MULTIPLE PAYMENT OPTIONS X
REWARDS NO REWARDS

Apply Online

If you’re already a member, apply online using NetTeller Online Banking.
  • Visit lebanonfcu.org
  • Sign into your account using NetTeller
  • click on the “Services Tab”
  • Click “continue” next to Loan Application
  • Select Loan Type & Amount
  • Click Apply for Loan
One of LFCU’s Loan Officers will then follow up within one business day.

Apply In Person

Apply in person at any of our four convenient locations, or over the phone.
  • Call 717-272-2210
    • Press 5 – Information on an existing account, loan, or to make a loan payment
    • Press 6 – To apply for a new loan or request information on a new loan
You do not need an appointment to apply for a LFCU Visa Credit Card.

Not a member?

If you’re not a member but would like to take advantage of LFCU’s Visa Credit Card options, start by becoming a member today!

*You are eligible to join LFCU if you live, work, worship or attend school in Lebanon County. You are also eligible to join if you have an immediate family member who lives, works, worships or attends school in Lebanon County.

Visa Account Updater (VAU) is a service that facilitates and encourages customer satisfaction, retention and loyalty by exchanging updated account information between participating merchants and Visa card issuers. Serving as an automated, dedicated, and secure clearinghouse, VAU delivers updated cardholder account information in a timely, efficient, and cost-effective manner, benefiting all parties involved in the electronic payment process.

What is Visa Account Updater? 
Visa® requires LFCU to support Visa Account Updater (VAU). These services enable the secure electronic exchange of card number and expiration date updates between issuers and participating acquirers for card-on-file (COF) merchants. (EXAMPLE: The exchange between LFCU and OnStar.)

What does this service do?
The VAU service allows a way for LFCU to provide Visa the most recent card number and expiration date updates and in turn VISA will make this information available to the acquiring merchants that participate in the VAU service.

Will LFCU cardholders have an option to opt out?
Yes. Members will have an option to opt out cards should a cardholder request it. For VAU, when a cardholder opts out, the merchant will get a contact cardholder status for the old card with no new card information. 

What is a card-on-file (COF) merchant?
COF merchants store their customers’ card number information for future purchases and/or recurring payments. Some examples are monthly utility payments, Netflix, Redbox, etc.

What are the benefits of VAU for LFCU and cardholders?
The benefits that issuers offer to their cardholders will provide:

  • An uninterrupted service from participating COF merchants
  • Prevent customer service interruptions with billing disputes
  • Cardholders will no longer have to provide updated card information to participating merchants when their card is reissued, lost, or stolen

Recurring payments will likely be more successful as updated card information is readily made available to participating merchants.

What scenario would the merchant use the VAU services?
Participating COF merchants will try to obtain updated cardholder information prior to their billing cycle. Merchants that participate in the VAU services will be able to access updated card number and expiration date information, eliminating the potential for denied transactions due to outdated cardholder information on their systems.

What happens if my card is compromised?
Compromised cards will be closed and replacement card numbers/expiration dates will NOT be sent upon activation of new cards to VAU. LFCU members will have to contact any merchants that previously had their compromised card on file to provide them their new card information

Your LFCU Visa® Cards and Apple Pay™ will change the way you pay!

How to sign up for Apple Pay™?

  1. Go to the Wallet App and tap the plus icon
  2. Follow the steps to add a new card. (If asked to add the card that is connected to the iTunes account, cards on other devices, or cards that you’ve recently removed, choose them, then enter the card security codes.)
  3. Tap Next. LFCU will verify the information entered and decide if you can use the card with Apple Pay™.

What devices is Apple Pay compatible with?

  • iPhone (model SE and newer)
  • iPad
  • Apple Watch
  • MAC

How do you use Apple Pay?

  • Use and your favorite Visa® card to pay the easy, secure, and private way at hundreds of thousands of stores and participating apps. See a complete list of Apply Pay merchants Here!

Learn more about apply pay clicking HERE! 


*Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card.

Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps your issuer know you’re really you, and it better protects you from fraud.

©Copyright 1996-2019. All Rights Reserved.
usa.visa.com

Learn more about Verified by Visa HERE

  • EMV stands for Europay, MasterCard and Visa.  It is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions.
  • EMV cards add improved security and fraud protection with an embedded chip.
  • Merchants are currently installing new payment terminals that support the new chip cards.
  • When making a purchase with your chip card in a new terminal, you will insert your card into the terminal slot and briefly hold it there until the card is verified with LFCU.
  • You still may be required to enter your card’s PIN or sign for transactions.
  • Your card will also work on existing payment terminals that don’t use the new technology. Because of the extra security with EMV, we encourage you to use the EMV purchase option wherever it is available. You will also be able to continue to use your cards at ATMs worldwide.

Why choose a Visa® Credit Card from LFCU?

LFCU Offers a variety of types of Visa® Credit Cards to better meet the needs of our members.

  • Visa® Classic Credit Card
  • Visa® Platinum Credit Card
  • Visa®  Secured Credit Card

LFCU offers a FIXED¹ rate on all of the LFCU VISA®  Credit Cards.

  • Rates as low as 10.40% APR*
  • Rates as high as 17.90% APR*

Ability to earn rewards with LFCU’s VISA® Platinum Credit Card. Earn one point for every dollar spent. Rewards include:

  • Gift Cards
  • Travel
  • Cash Back

By choosing LFCU for your banking needs you are also helping LFCU better provide great rates and services for the membership and the community.

Benefits of Visa® Balance Transfer Program

Consolidate debt into one loan

  • One loan means only one payment instead of multiple payments

0% APR* for 365 days!

  • 3% fee is assessed at time of balance transfer
  • More of your monthly payment will go towards reducing your credit card balance, instead of towards interest.

See bottom of page for Balance Transfer details.

Peace of mind knowing LFCU offers Fixed¹ Rate Visa Credit Cards

  • After promotional period your card reverts to rate approved at time of loan opening. As low as 10.40% APR* and as high as 17.90% APR*
  • The approved rate will not change during the life of the loan.

Ability to make payments a variety of ways on your LFCU Visa Credit Cards

  • Transfer from your LFCU Shares via NetTeller Online Banking or the LFCU Mobile App
  • Make a payment over the phone: 717-272-2210
  • Make a payment at an LFCU Branch (See Locations) 
  • Simply pay your loans online! Make a payment via LFCU’s Payrazr website which can be accessed at any time, for FREE. No need to call, or visit a branch! To use this awesome feature you do not need an online banking or mobile app account!

Lost/Stolen Credit Card

Within USA Outside USA & Canada
(888)-297-3416 (206)-389-5200 (collect)

*The 0.00% Annual Percentage Rate (APR) on Balance Transfers is eligible on LFCU Classic and Platinum VISA® Credit Cards. There will be a 3% balance transfer fee at the time of each balance transfer during the 365 day promotional period starting after the first balance transfer date.  Balance transfer(s) will revert, after 365 days from date of first balance transfer, to the rate approved at time of application. Current rates range from 10.40% APR to 17.90% APR. The 365 days after first time of balance transfer posting will be considered the promotional period. After the expiration of your promotional rate, the remaining unpaid portion of all balance transfer(s) processed during the promotional period will be subject to your normal APR as outlined on your monthly statement based on the specific LFCU Visa® Credit Card selected. The total amount of outstanding transfer requests cannot total more than your available credit.  Any new purchases will be charged at current rates per Cardholder Agreement & Disclosure. Any payment received on your Visa will be applied first to the highest rate balances. Other restrictions or conditions may apply. You may not pay off any of your current LFCU loans or lines of credit by using this balance transfer option. Offer expires December 31, 2024. LFCU is an Equal Opportunity Lender.

¹Fixed rate: Approved rate will not change during the life of the loan.
*APR: Annual Percentage Rate.

Questions?

If you have any questions, please contact us during normal business hours.

  • Email: lebfcu@lebanonfcu.org
  • Phone: (717) 272-2210
    • Option 5 – Information on an existing account, loan, or to make a loan payment
    • Option 6 – To apply for a new loan or request information on a new loan
    • Option 7 –  To open a new account