Smyrna Branch Temporary Closing

Our Smyrna branch will be temporarily closed on Tuesday, August 24, 2021
We look forward to serving you when Smyrna's normal operating hours resume Wednesday, August 25, 2021. 

Visa® Credit Cards

LGE offers two excellent Visa® credit card options - our popular Platinum card, or the Achiever card for those wishing to build credit.

Both cards offer:

The Platinum card also offers:

We also offer mobile wallets, and you can make your card unique with our Design Your Own Card program. Select an image or photo that you want to appear on your debit card, including our new Spirit Cards.

Calculators

Learn how long it will take you to pay off your credit card balance with our helpful calculators.

Ready to apply?

Must be an existing member or eligible to become a member through our Field of Membership. All loans subject to approval.

Compare Visa Credit Cards


Terms and Conditions subject to change without notice.

Membership eligibility and base savings account that keeps a $5 minimum balance required.

All loans are subject to credit qualifications and approval.  Standard underwriting including terms and conditions also apply.  Other restrictions including minimum and maximum loan amounts and other conditions may apply.

Rates are variable and are subject to change at any time without notice.

1 APR = Annual Percentage Rate. 

Variable Rate Information for LGE Visa Platinum Purchases and Cash Advances may vary: This APR will vary with the market based on the preceding 4 week average of the 26 Week Treasury Bill plus a margin of 12%

Variable Rate Information for LGE Visa Achiever Purchases and Cash Advances may vary: This APR will vary with the market based on the preceding 4 week average of the 26 Week Treasury Bill plus a margin of 16%

Grace Period: You have 25 days after the close of a billing cycle to repay your balance for purchases before a finance charge will be imposed.  Finance charges begin to accrues immediately for cash advances

Method of Computing the Balances for Purchases: Average Daily Balance including new purchases

Minimum Monthly Payment:  2% or $10 whichever is greater

Visa Achiever credit limits range from $500 to $3500 based on the credit worthiness of the applicant(s)

Visa Platinum credit limits range from $2500 to $25000 based on the credit worthiness of the applicant(s)

2 Offers the security of Visa’s Zero Liability for fraudulent purchases (zero liability does not apply to ATM transactions or PIN transactions not processed by Visa).

* Cash back checking reward is based on your LGE credit card net spend. Net spend consists of eligible purchases made during the calendar month, not during the credit card billing cycle. Excluded transactions include, but are not limited to, insurance payments, fees assessed, cash advances, balance transfers, and interest paid. Posted credits, unauthorized charges, and items returned during the calendar month may decrease the amount of net spend eligible for cash back. Cash back checking reward is posted on the first business day of each month for prior month activity. Accounts and loans that become and/or remain in delinquent status may not be eligible for cash back checking reward. LGE Credit Card must be on the same account as your High Rewards Checking to be eligible for the cash back checking reward. This benefit is available when High Rewards Checking qualifications are met; ask our staff or visit the Checking webpage for details. Cash back checking reward percentage is variable and subject to change without notice.

** The Introductory Annual Percentage Rate (APR) applies only to purchases and balance transfers made on new Visa Platinum accounts during the first 180 days. After the initial 180 days, our Standard APR applies for any purchases and or balance transfers. The Introductory APR will continue to apply to the qualified transactions until your credit card account has been opened for 12 months or the balance is paid. Any remaining balance will roll into the Standard APR.

Card Safety

Visa Fraud Detection

Get the highest level of security when it comes to protecting your account from fraudulent charges. Visa’s Fraud Detection Service monitors transactions on your account 7 days a week, 24 hours a day. Click here for information about what to do if a Visa Fraud Representative contacts you.

Members will also receive text alerts to their mobile number on file regarding suspected fraudulent activity on their LGE debit or credit card. Members are automatically opted-in to receive these alerts, which have no cost to the member. For more information, click here.

Visa Secure

Visa Secure (formerly Verified by Visa) enrollment is no longer required on LGE cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption. For additional information call the Visa Secure support center at 1-800-504-5705.

Visa Purchase Alerts

Sign up for Visa Purchase Alerts to receive near real-time email and text updates on your Visa card activity. This way you can act quickly to help reduce fraud and monitor your account, wherever you are. And Visa Purchase Alerts is a free service for LGE Visa cardholders. Learn more and sign up at Visa.com/PurchaseAlerts.

Visa Click to Pay

When you see the Visa Click to Pay icon, you’ll no longer have to enter your 16-digit primary account number, remember passwords or fill out long forms to make a purchase. Set up once and choose “remember me” for all future payments. To enroll or manage your cards, click here.

Payment Options

A variety of convenient options are available to you

 

Automatic transfer from any account using ACH.

Download the ACH authorization form.

 

Transfer from your LGE  account.

Use Online Banking or the Memberline Automated Phone Banking System.

 

By mail:

LGE, P.O. Box 1188, Marietta, GA 30061-9974

 

Online or by phone using funds from another institution.

Make a payment by phone 770-424-0060. Make a payment online.

You can use a debit or credit card, or transfer from a checking account.

 

At any LGE branch.