Latino Community Credit UnionLCCU Secured Visa Credit CardRegistry illustration · issuer artwork unavailable

LCCU Secured Visa Credit CardLatino Community Credit Union · state credit union, NC · NCUA 68430

CurrentLast observed Aug 31, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · secured

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Purchase APR

11.25%

variable

Balance transfer

—

Cash advance APR

11.25%

variable

Annual fee

a year

Foreign fee

of the amount

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
	11.25% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for cash advances	11.25% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
Minimum interest charge	$25	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Transaction fees
Cash advance	$0.75Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Balance transfer	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Foreign transaction	1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty fees
First late fee	$10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Returned payment	—	no source read
Other fees
returned payment fee	$5, When a payment is returnedConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Opening conditions	Membership to Latino Development CenterConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website

LCCU-Consumer Credit Pricing addendum securedpage 1 of 2

CREDIT CARD ACCOUNT OPENING DISCLOSURE

SECURED VISA

Approved Credit Limit:

$300.00

This Disclosure is incorporated into and becomes part of Your Consumer Credit Card Agreement & Disclosure. Please keep this attached to Your Consumer Credit Card Agreement & Disclosure.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · This APR will vary with the market based on the T-Bill. 11.000% APR for Balance Transfers · This APR will vary with the market based on the T-Bill. 11.000% APR for Cash Advances · This APR will vary with the market based on the T-Bill. 11.000% Paying Interest · Your due date is at least 23 days after the close of each billing cycle. We will not charge You any interest on purchases or balance transfers if You pay Your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Transaction Fees - Cash Advance Fee - International Transaction Fee · $0.75 for each ATM transaction 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee - Returned Payment Fee · Up to $10.00 Up to $5.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.

Billing Rights:

Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

Military Lending Act Disclosures:

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us at 1-855-491-7328 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

1 2No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:latino-community-credit-union:lccu-secured-visa-credit-card
Fields: Other, Requirements for Opening, Requirements for Opening Types
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Latino Community Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68430
Branches: 16 in NC
Sources: Government dataset · 1 document · 0 pages cited

Documents

LCCU-Consumer Credit Pricing addendum securedeffective date not parsed

LCCU Secured Visa Credit CardLatino Community Credit Union · state credit union, NC · NCUA 68430

Rates and fees