Purchase APR
12.49%
Annual fee
None
Foreign fee
0.8%
620–719720+Cashback
Carrying $3k for a year ≈ $374.70
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59
Anchor & Anchor Secured Visa
Lighthouse Federal Credit Union
NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
12.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
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.
- LBREB1955_VisaDisclosure_Business62 KB
- LBREB1955_VisaDisclosure_Business62 KB
- Lighthouse_Anchor_Visa_Disclosure61 KB
- Lighthouse_Navigator_Visa_Disclosure63 KB
- Lighthouse_Navigator_Visa_Disclosure63 KB
- Visa_Cardholder_Agreement141 KB
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Foreign fee
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