Credit Card Services - Local Government Federal Credit Union

How to ApplyTo apply for a Card or request an increase inyour credit limit, call the Contact Center at888.732.8562, log on to Member Connect orvisit your local branch.For more information, visit us onlineat www.lgfcu.org.Rates and FeesMaximum Rate 18%Annual FeeNoneLate Payment Fee $5.00Return Payment Fee $5.00Exceed Credit Line FeeFee for ATM Access:Grace PeriodNone$0.75 per transactionat CashPoints ATM.Additional fees mayapply if used at anotherfinancial institution.No finance charges onany purchases if thebalance is paid in fulleach month. There is nograce period for cashadvances.Variable RateInformationYour Annual PercentageRate may vary. The firstsix-month T-Bill auctionheld each quarter willestablish an index towhich a margin of 9.5percent will be added toset the interest rate. Therate is subject to changequarterly.