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Platinum Visa Credit Card

Our 3.99% APR Credit Card Balance Transfer Offer is Back
Pay a low 3.99% APR for 9 months on balance transfers*

  • No annual fees
  • No over the credit limit fees
  • Credit limits from $300 up to $20,000
  • Ongoing rates as low as prime plus 5.9% (currently 14.40% APR)** (Without Card Rewards)
  • Ongoing rates as low as prime plus 7.9% (currently 16.40% APR)** (With Card Rewards)
  • Balance transfer option – Transfer balances from higher-rate cards and loans to your LMFCU credit card! A low 2% balance transfer fee applies. ($2 minimum)
  • Minimum payment due is the greater of 2% of the new card balance or $25. Any amount over the credit limit is also due in addition to the minimum payment.
  • Due date is 25 days after the close of each billing cycle
  • No interest charged on purchases if you pay your entire balance by the due date each month
  • Monitor and manage card transactions with our SecurLock Equip mobile phone app
  • Full online card information and more at ezcardinfo.com   

Apply for a LMFCU credit card by phone, in-person or online at lmfcu.org
Contact a Loan Specialist for details.


Apply here

*Balance transfers completed 2/15/24 through 5/15/24 will receive 3.99% APR* for 9 months from date of transfer. After the promotional time frame expires, remaining balances will migrate to the standard APR applicable on your account. Contact the Credit Union for complete details.  

**Rates quoted assume a FICO score of 730+. Lower credit scores are subject to higher rates. APR = Annual Percentage Rate. Interest rates are variable. Maximum rate of 18.0% APR. Balance transfer fee of 2% applies. ($2 minimum)

Scorecard Rewards Program

Earn one point for every purchase dollar spent.

Redeem for gift cards, merchandise or travel.

LMFCU Platinum Rewards card holders benefit from the ScoreCard Rewards program. Choose from items in categories such as electronics, recreation and fashion, featuring quality brands including Apple®, Oakley®, Fitbit®, Bose®, Dooney & BourkeTM, Dyson, The North Face® and Kate Spade®. Redeem your points at ScoreCardRewards.com

Examples of some categories are:








Using Your Credit Card

Cardholder Service 24 hours a day, 7 days a week: 1-800-322-8472

eZCard Website: Full online card information and more at ezcardinfo.com  

View transaction history, card statements, make payments, download to Quicken and more. Dispute a transaction, set account & transaction alerts and payment due reminders and review credit fraud alerts.
EZ Card Website Member service: 1-866-604-0380

Balance Transfers – Transfer balances from higher-rate cards and loans to your LMFCU credit card! A low 2% balance transfer fee applies. ($2 minimum) Complete and submit our balance transfer form. Payments are automatically transferred to your other card or loan electronically or by the mail.

Card Controls Mobile Phone App – You can freeze your card, get mobile phone alerts, block international transactions, block certain transaction and merchant types, and set card spending limits.
iPhone users can find the SecurLOCK Equip app in the Apple App Store on their iPhone. Android users can find it in the Google Play Store.

Mobile Wallet – Apple Pay, Google Pay & Samsung Pay. Mobile wallet avoids having your Visa check card number passed to the merchant. Also, minimize contact risk by paying with your smart phone!
No need to hand over or swipe your credit card. Get started by entering your card information into the mobile wallet and you are all set to complete purchases at merchants who accept mobile wallet.

Repayment Options:  You may make credit card payments through Online and Mobile Banking. Your LMFCU credit card should be listed as an eligible "transfer to" account. Transfers completed before 6:00 pm EST will be posted to your credit card account the next business day.

You may also schedule credit card payments for future posting through Online and Mobile Banking. For example, you may schedule recurring future credit card payments on a weekly, biweekly, semi-monthly or monthly basis.

You may make credit card payments through the ezcardinfo.com website. Payments may be made from your LMFCU savings or checking account or an account at any financial institution.

You may make a payment by contacting a LMFCU Member Service Representative (by phone or in-person).

Sorry, credit card payments cannot be made by payroll deduction.

You may also mail your credit card payments to the following address. Be sure to include your remittance stub from your billing statement.
PO BOX 4521
Carol Stream, IL  60197-4521

Visa Bill Pay – From cable and phone to insurance and even your gym membership, paying bills is faster and easier than ever using your Visa credit card. Contact your billers to setup one-time or automatic payments.  Here's how to use Visa Bill Pay.
1. Contact your billers. More of them accept Visa than ever before.
2. Pay bills one at a time or set up automatic payments to help avoid late fees. It's easy to save your payment info with billers.
3. Relax knowing your bills are paid on time.

It's simple, more reliable than the mail, and it gives you enhanced fraud protection with Visa's Zero Liability Policy.

Selecting Your Card PIN - If you plan to use your credit card for cash advances at an ATM, a Personal Identification Number (PIN) will be required. A PIN may also be required if you plan to use your card outside of the U.S. As a safety precaution, your PIN will not be automatically generated. You will need to select a unique PIN. Please contact card member service for information on changing your card PIN.

Customer Service: 800-322-8472
Report lost or stolen card: 866-604-0381
Lost or stolen outside of the U.S.: 727-570-4881
After hours: 866-604-0381
EZ Card website support: 866-604-0380