visa credit cards

Visa® Platinum Credit Card

Rates as low as 7.99% APR

Our Visa Platinum Credit Card is perfect if you are looking for an everyday good-value credit card or want to transfer balances from other high rate cards or cards with promotional rates expiring.  Our cards offers:

  • No annual fee
  • A generous grace period
  • No penalty APR
  • No cash advance fees
  • 6-month balance transfers for just 3.99% APR*

*Once the 6 month period expires, the interest rate reverts back to the original rate

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visa secured credit card

Share Secured Visa® Credit Card

LOC also offers a Share Secured Visa® credit card, which allows you to build your credit while securing your limit with the funds in a sub-savings account. Secured funds are not available while the credit card is open. Features include:

  • A low  6.00% APR
  • No annual fee

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Features & Benefits Available for All Cards

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Add Your Card to Your Digital Wallet

We support Apple Pay, Google Pay and Samsung Pay so you can easily check out at your favorite store or make in-app purchases. Learn more about Digital Wallets.

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Card Controls and Alerts

Card Management in our Digital Banking platform allows you block/unblock your card, enable/disable foreign transactions, and set alerts and controls based on dollar amounts, locations, merchant type and transaction type. Learn more.

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Complimentary around-the-clock fraud protection

We watch out for your credit card account and reach out when we suspect there might be fraud to ask you to verify the transaction.

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Tap and Go

Cards feature contactless technology allowing you to simply tap your card to complete your purchase.

VISA Rates
Effective Date: Friday, July 19th, 2024
Loan TypeFixed APR As Low AsCredit Limit
VISA Platinum 7.99% $30,000.00
Share Secured VISA 6.00% $30,000.00

APR = Annual Percentage Rate

All loans, terms and conditions are subject to Credit Union qualifications & may vary based on creditworthiness.

Should I transfer my credit card balances?

You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.

Current Credit Card(s)

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Let's Win Together

Are you ready to join LOC?

It’s easy to become a member of LOC Credit Union!

Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.

A current or eligible member's immediate family (spouse, sibling, child, grandchild, parent, grandparent) or an individual living in the same household of a current or eligible member can also join LOC.

Join Now


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Here to Help

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Digital Banking

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Contact Us

Want to talk to someone?
Call: 800.837.4562
Text: 248.474.2200

Monday - Thursday 9 am to 5 pm
Friday 9 am to 6 pm
Saturday 9 am to 1 pm

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Make an Appointment

Need to come in to speak to someone? Make an appointment at one of our convenient locations.


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