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Due to the COVID-19 pandemic, select SLFCU branches and lobbies will be closed until further notice. Click here to learn more about our COVID-19 response or read important information about SBA PPP loans

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Woman puchasing items on her tablet with a credit card.

Credit Cards

SLFCU offers smart credit card choices


SLFCU has credit cards that fit your lifestyle and budget. Each card comes with 24-hour security monitoring and chip security. All of our cards feature:

  • No annual fees
  • No penalty rates
  • No balance transfer fees

To report a lost or stolen credit card, call 800.449.7728.

If you receive a call regarding a blocked transaction on your personal credit card, please call 888.918.7313.


Exclusive benefits and a 1.00% rebate

SLFCU Visa Signature Card With a higher credit limit, 1.00% year-end rebate on purchases, and premium benefits, this is Visa's most elite card. See the application disclosure and card agreement.


Earn cash back

SLFCU Visa Platinum Rebate card Looking for a rebate card with a lower credit limit? The Visa Platinum Rebate card offers a 0.75% year-end rebate on purchases. See the application disclosure and card agreement.


Our lowest rate

SLFCU Visa Platinum Value card If you carry a balance or want to consolidate balances from higher-rate cards, the Visa Platinum Value card offers our lowest rate. See the application disclosure and card agreement.

SLFCU Credit Card Details



Annual Percentage Rate (APR) for Purchases

8.90% APR Visa Platinum Value
11.15% APR Visa Platinum Rebate
10.65% APR Visa Signature

These APRs will vary with the market based on the Prime Rate.

APR for Balance Transfers

Same as above

APR for Cash Advances

Same as above

Penalty APR and When it Applies

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge



Annual Fees


Transaction Fees

Balance transfer  None
Cash advance  $5
Foreign transaction  1% of each transaction in US dollars.

Penalty Fees

Late payment Up to $25
Returned payment Up to $25
Over-the-Credit-Limit Up to $25

Variable Rate: The annual percentage rate for each card is subject to change semi-annually on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the "Money Rates" section of The Wall Street Journal on the last business day of March and September, to which we add a margin. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

Margin: For the Visa Platinum Value card, Purchases, Balance Transfers, and Cash Advances will be charged at 5.65% above the Index. For the Visa Platinum Rebate card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.90% above the Index. For the Visa Signature card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.40% above the Index.

Card Controls

Better protect your SLFCU credit card from fraud with the Card Lock app.

  • Turn your credit card on and off to control when it can be used.
  • Set alerts so you are notified when a transaction has been declined, when your card has been used for an international or online transaction, when you are nearing your credit limit, and more.
  • Set transaction controls, such as defining the geographical locations in which your card can be used and preventing online transactions, international transactions, and transactions greater than a set amount.

Available for your Apple® or AndroidTM smartphone.

SLFCU Mobile App from the App Store

Get it on Google Play


Personal credit card joint account holders

  • When prompted to enter the last four digits of your Social Security number, use the SSN of the primary cardholder.
  • If the other cardholder has already registered your card, use the pre-existing card option. Do not create a new card profile.

Apple, the Apple logo, iPhone, iPad, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google Inc.

Mobile Wallets

Mobile Wallets

Apple Pay®

Use it with your SLFCU credit card or debit card. Learn more.

Google PayTM

Google Pay is the fast, simple way to pay with your SLFCU credit card or debit card in stores and online. Learn more.

Samsung Pay® *

Using your SLFCU credit card or debit card is as easy as pulling out your phone. Learn more.

Other Wallets

Learn more about the latest in online checkout with Mastercard or Visa.

Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc.

Google Pay and the Google Logo are trademarks of Google LLC.

*Only compatible with select Visa, Mastercard, American Express, and Discover cards from participating banks and qualifying Samsung devices. Check with your bank/issuer to ensure that your card is compatible, and check the Samsung Pay Support page for additional compatibility information regarding devices, carriers, and cards. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Credit Card Rates

*APR as low as

VISA Signature
10.65% APR

VISA Platinum Rebate
11.15% APR

VISA Platinum Value
8.90% APR