Detected in the CFPB-filed cardholder agreements from Lighthouse Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
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“…our attorney s fee plus court costs or any other fees. If we sue to collect and you win, we will pay your reasonable legal fees and court costs. 16. Change in Terms of Your Account. We can change any terms of your account at any time. We will provide you with such notice as is required by law by mailing a notice to you at the latest address shown in our records. Written notice of…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered12.49%
Median12.49%
Highest offered12.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered12.49%
Median12.49%
Highest offered12.49%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Debt Protection$0.31
Late fee policy: Late fee after 5 days based on balance at time of Late Fee:
Less than $10.00 = $0
$10.00-$5,000.00 = $10
$5,000.01-$10,000.00 = $20
$10,000.01+ = $25
Rewards, benefits and features
Rewards
None reported
Services
Automobile rental insurance
Debt cancellation coverage
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone8884361847
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 12.49%$374.70
Annual / periodic fees$0
Total yearly cost$374.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
8 documents filed by Lighthouse Federal Credit Union in the 2026 Q1 archive.