We have the right credit card for you.

Lower Valley Credit Union (LVCU) offers many different products and services specially designed for our members. Our mission is to nurture a relationship with you and your family so we can partner with you in attaining your financial goals.

To apply for a LVCU credit card you must open a savings account to become a member owner of Lower Valley Credit Union. Once you are part of our membership, you will enjoy great rates on loan products, access multiple accounts, and deposit options.

SECURED – Credit Card

Do you want to build your credit or have you made financial mistakes in your past and want to reestablish your credit? Our Secured credit card can help you build or improve your credit score. Start spending carefully and pay your monthly bills on time, and you will be on the path towards an improved credit score.

Qualification requirements:

  • Must be a member of LVCU
  • Any applicant, regardless of credit score or credit history may qualify*
  • You must deposit an amount equal to your credit limit to qualify

*on approved credit

CLASSIC – Low-Rate Card


Lower Valley Credit Union’s Classic credit card is an ideal first card because of its simplicity, flexibility, and worldwide recognition. It offers a varying credit line and a number of unique benefits for cardholders.

Qualification requirements:

  • Must be a member of LVCU
  • Minimum credit score of 600 may qualify*
  • Must have at least 6 months of credit history
  • Credit limit of up to $15,000 for credit scores 780 or higher

*on approved credit

PLATINUM – Rewards Card


Are you looking for a credit card that will earn you points? With our Platinum Rewards credit card, you will receive 1 point for every dollar you spend. Build up enough points and you can use them to redeem rewards online.

Qualification requirements:

  • Must be a member of LVCU
  • Minimum credit score of 640 may qualify*
  • 12 months of performing credit history required

*on approved credit

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