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Lorillard Federal Credit Union offers VISA Debit Cards, and VISA Credit Cards for your convenience.
VISA Debit Card
Debit cards, the plastic cards that work like a check, have caught on with consumers and merchants as a convenient way of doing business. They are unique because they allow you to pay for purchases without writing a check or creating a debt. For convenience and safety, they are a valuable addition to your portfolio of payment options.
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- Money automatically deducted from checking
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- Does not involve borrowing, so you do not pay interest
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- Use when traveling instead of Travelers Checks
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- Access cash from ATM machines
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- Four digit personal identification number (PIN) for security
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The VISA debit card won't replace the other cards you carry, it just gives you an alternative to using credit cards or writing checks.
When you use your VISA debit card, money is automatically subtracted from your checking account. There is no interest charged and all transactions are shown on your credit union account statement.
Lorillard Federal Credit Union offers the VISA debit card to all members who have share draft account and have received credit approval. Cards may be issued on an individual account or on a joint account where both members are equally responsible for the account and both are members of LFCU.
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VISA Credit Card
One of the benefits of membership at Lorillard Federal Credit Union is access to the VISA Classic and VISA Gold credit cards. You will find the LFCU interest rate very competitive; 10.9% for the VISA Gold card and 12.9% for the VISA Classic card. And, unlike most bank credit cards, an LFCU credit card does not carry an annual fee.
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Finance charges on purchases are calculated using the grace period method. If the cardholder pays the new balance in full within 25 days of the billing date, no finance charges are incurred.
On cash advances, interest charges begin accruing on the day the advance is received.
VISA Classic credit limits range from $500 to $5,000. VISA Gold limits fall within the $5,000 to $10,000 range.
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How to Apply
Any of our friendly member service representatives will be glad to help you with an ATM card, VISA debit card, VISA Classic card or VISA Gold card. | 
