Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	14.25% variableLIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“14.25% APR This APRwill vary based on the Prime Rate.”LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	14.25% variableLIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“14.25%APR This APRwill vary based on the Prime Rate.”LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	14.25% variableLIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“14.25%APR This APRwill vary based on the Prime Rate.”LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	$30LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“$30.00”LIGHTHOUSE · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	—	no source read

Lighthouse Federal Credit Union Business Visa Disclosure - Federal Truth in Lending Actpage 1 of 2

Lighthouse Federal Credit Union Business Visa Disclosure - Federal Truth in Lending Act

Details of Rate, Fee, and Other Cost Information

As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms may change in accordance with the Agreement and applicable law.

INTERESTRATESANDINTERESTCHARGES Annual Percentage Rate (APR) for Purchases · 14.25% APR This APRwill vary based on the Prime Rate. APRfor Balance Transfer · 14.25%APR This APRwill vary based on the Prime Rate. APRfor Cash Advances 1 · 14.25%APR This APRwill vary based on the Prime Rate. OtherAPRs · DefaultAPR18% (See explanation below.) HowtoAvoidPaying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you interest on purchases if you pay your entire balance by the due date each month. 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 at http://www.consumerfinance.gov/learnmore.

FEES Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction • Transaction Fees for Purchases · None None 1% of each transaction in U.S. dollars None Penalty Fees • Late Payment (Late fee is based on balance owed, but will not exceed the amount of payment past due) · $30.00

HOW WE CALCULATE YOUR BALANCE

We use a method called 'Average Daily Balance (including new purchases)'.

1 2Page 1 is cited

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.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

LIGHTHOUSE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“14.25%APR This APRwill vary based on the Prime Rate.”
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LIGHTHOUSE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“14.25%APR This APRwill vary based on the Prime Rate.”
Read exact source ↗
LIGHTHOUSE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“14.25% APR This APRwill vary based on the Prime Rate.”
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LIGHTHOUSE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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LIGHTHOUSE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“$30.00”
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LIGHTHOUSE
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Late payment fee, Purchase APR

Offered through: Lighthouse Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24964
Branches: 20 in ME, NH
Sources: Official issuer · 1 document · 1 page cited

Documents

Lighthouse Federal Credit Union Business Visa Disclosure - Federal Truth in Lending Acteffective date not parsed

Business Platinum VisaLighthouse Credit Union · federal credit union, ME · NCUA 24964

Rates and fees