Credit Cards | Lutheran Federal Credit Union
Serving the Lutheran Church-Missouri Synod Community
LutheranFCU. Good for You. Good for the Church.

Credit Cards


0% APR* on Purchases for the first 6 months; 9.99% APR* thereafter


2.99% APR* on Balance Transfers for the first 12 months; 9.99% APR* thereafter

Credit Cards

Credit cards can be a strategic part of strong financial stewardship, especially when paid off monthly.  In addition to convenience, a key reason to consider a credit card for regular transactions is to establish and sustain a solid credit score, which is essential to securing the best loan rates.

Plus, there are built-in purchase protection and card management features with our CardNav solution that help protect your finances. Your purchases will have Price Protection+ which reimburses you the price difference on eligible items should you find a lower price within 60 days from the date of purchase. You also receive Extended Warranty+ coverage which doubles the time on the original manufacturer’s or store brand warranty for up to one year on eligible purchases.

For the times when you use a credit card, we want to be your provider. 



  • Competitively Low APRs starting at 9.99%*
  • Save time with e-signature credit card closing documents
  • No balance transfer fees
  • 24-hour online account access
  • Secure EMV chip technology

Available Cards

Classic Card

Our Classic Credit Card is available to our members who have built a good credit history and to reward you for that hard work, we are also offering for a limited time:

0% APR* on Purchases for the first 6 months of your credit card account opening; 9.99% APR* thereafter


2.99% APR* on Balance Transfers for the first 12 months of your credit card account opening; 9.99% APR* thereafter

  • No annual fee
  • No increase in APR for Balance Transfers and Cash Advances

Genesis Credit Card and Secured Genesis Credit Card

Our Genesis Credit Cards will satisfy your need for a convenient borrowing option and access to funds. These are available to our members looking to begin building , improving, or rebuilding credit. If you have no credit history or past credit problems, our Secured Genesis Card allows you to use your funds in one of our savings accounts as “collateral” to secure this credit card while your savings continue to earn interest!

  • No annual fee
  • No increase in APR for Balance Transfers or Cash Advances

Ministry Classic Credit Card

The Ministry Classic Credit Card is a simple and convenient card designed just for LCMS congregations, congregation-owned schools and LCMS districts.  This credit card can help keep your entity’s expenses on track and improve expense record-keeping while maintaining the buying power you need to operate.

  • No annual fee
  • No personal guarantee, meaning approval is based on the entity’s financials as opposed to any one individual.
  • Manage security with CardNav app to control the use, amounts, merchants and more

*Remember this credit card is available for Members only. If your entity has not already become a member please complete the membership application and the Ministry Classic Credit Card application by clicking here. If your entity is already a member of Lutheran Federal Credit Union, please complete ONLY the Ministry Classic Credit Card Application section (pages 10-13).

How Will I Receive My Monthly Billing Statements?

Lutheran Federal Credit Union offers free and secure statements that you can access at any time through your Online Home Banking Account. In addition, by your enrollment in e-Statements, a link to your account and statement information will arrive electronically every month, quickly and safely.

How Can I Make My Loan Payments?

The easiest way to set up loan payments is to log into you personal LutheranFCL Home Banking account, and use the “Transfer/Payments” tab to set up a single payment or even recurring loan payments. Other options include making payments through an online bill pay service or you can authorize LFCU to automatically set up your monthly payments by ACH. To set up your payment by ACH, please complete the Automated Credit Card Payment Form.

*APR=Annual Percentage Rate. Rate referenced is the lowest rate possible for qualified consumer/personal borrowers and is based on meeting specific underwriting criteria. This offer is for new LutheranFCU Classic Credit cardholders only.

+ View the LutheranFCU Mastercard benefits brochure here.

To report a lost or stolen card call (888) 241-2510. For calls outside USA, call (909) 941-1398.