Lighthouse Federal Credit Union

8 cardholder agreements · 733 KB · 1 surveyed card

Fair Terms · grade A (92/100)

1 contract red flag across 8 filed docs · see how every issuer ranks →

Why this grade

Starting score100
Change-anytime clause-8
Fair Terms score92 · grade A

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Contract X-Ray — what's buried in the fine print

1 red flag · 8 filed docs

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…”

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Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Penalty APR