The Local Government Federal Credit Union is based out of Raleigh, North Carolina. Its Visa credit card is designed specifically for government and local employees of the state of North Carolina, along with their immediate family members. While there is only one type of credit card offered through the Local Government FCU, it comes with many different options depending on your credit history and credit needs.
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The Local Government Federal Credit Union (LG FCU) offers several different deposit and loan products for its customers. There are many different types of people that are eligible to become members of LGFCU, including retirees of certain employers and spouses of deceased members. Once you become a member you are always eligible to stay a member.
Credit Limits and Details of the LG Federal Credit Union Visa Credit Card
The LG FCU Visa card offers credit limits as low as $300 and as high as $25,000. Your actual credit limit depends on several factors, including your credit history, credit score, and the amount of unsecured debt you have with the credit union.
With the LG FCU Visa card, you are required to pay a minimum amount each month depending on your balance. This credit card company’s minimum monthly payment is $25, and can be as much as 3% of your total balance.
There is no annual fee charged to members for carrying the LG FCU Visa Card, and you can access your balance and make payments online through the LG FCU website.
You can also get your statement through email.
The Better Business Bureau is a great place to learn more about credit cards, and is an excellent resource when you are trying to decide on which card to apply for. Read the BBB’s article on “Credit Cards: The New Rules” to learn about the new guidelines and laws involving credit cards.
Benefits of the LG Federal Credit Union Visa Credit Card
Since the Local Government Federal Credit Union Visa card bears the Visa logo, it is accepted all over the world with merchants that take Visa credit cards. You can also utilize one of thousands of ATMs worldwide to access your cash.
Additionally, if you use your card to rent a car, you are automatically covered by Visa’s collision damage protection waiver. This means you do not have to buy insurance when you rent a car.
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