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VISA Rates


New credit card laws for members under 21 years old:

  • Members under 21 applying for a VISA Credit Card must have a guarantor or cosigner.
  • If applying without guarantor or cosigner you must be able to verify payment ability.

Rates as of 3/13/2024 per board approval. Rates are subject to change without notice.

Visa Rates
VISA Choices Details APR
Platinum Basic Credit limits start at $2,000 and up to $20,000 9.90%
Platinum Scorecard Earn point rewards for free travel and merchandise 10.90%
Platinum Cash Back Earn 1% cash back as a VISA credit for total purchases throughout the year 11.90%
Classic Scorecard Minimum $500 credit limit up to $5,000 with a 3% monthly minimum payment. Earn points for free travel and merchandise with Scorecard Rewards. 13.40%

Verified by VISA

When you register with Verified by Visa enjoy worry-free online shopping with maximum security on your Loyola University Credit Union Visa credit or check card. Simply register your Visa card online at and submit a password. Be assured that online purchases with participating vendors are now safer and more secure with Verified by VISA.

Notice Regarding Foreign Transactions

When a purchase is made in a foreign country using your Loyola Visa credit or check card, the transaction amount is converted to U.S. dollars, and adjusted by a 1% currency conversion fee.

When the transaction is posted to your account, the total amount (purchase amount plus conversion fee) appears as a single transaction on your billing statement. On April 2, 2005, the converted transaction amount started showing separately from the International Transaction Fee on your billing statement.

This fee is assessed on all international purchases, credit vouchers, and cash disbursements and is labeled International Transaction Fee 1%.

Toll Free Number for Credit Card Help, Debt Counseling

The Illinois Credit Union League has provided Loyola Credit Union members with an 800 number for credit card counseling and debt management services.

This toll free number is 877-271-1764. It also appears on your credit card statements each month as required by the Credit Card Act of 2009.

Credit Card Loss: If your Visa card is lost or stolen, you can call Visa Customer Service at 800.322.8472 for help, 24 hours a day, 7 days a week.

If possible, immediately contact the Loyola Credit Union, 708.216.4500, during normal business hours (7 am to 4:30 pm, Monday through Friday) to report the loss or theft. Our Visa representative will block your card and arrange for a replacement card to be mailed to you.

After hours, contact the VISA Customer Service Center at the number above.

Debit Card Loss: To report a lost or stolen VISA debit card, call 800.523.4175.

Loyola University Employees Federal Credit Union
2160 South First Avenue - Maguire Center Maywood, IL 60153
Phone: 708.216.4500 | Fax: 708.216.6546
Loyola Credit Union Routing Number # is 271992141

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Membership in the Loyola University Employees Federal Credit Union (LUEFCU) is open to anyone who works for or is paid by Loyola University Chicago or Loyola University Health System on any campus or location anywhere.

That includes full and part-time Loyola faculty and staff, employees and student employees as well as Loyola affiliates or contractors, plus immediaite family members of these eligible participants.