Credit Cards | Lutheran Federal Credit Union
Serving the Lutheran Church-Missouri Synod Community
LutheranFCU. Good for You. Good for the Church.

Credit Cards


0% APR* on Purchases for the first 6 months; 7.74% variable APR* thereafter


2.99% APR* on Balance Transfers for the first 6 months; 7.74% variable APR* thereafter

Credit Cards

Credit cards can be a strategic part of strong financial stewardship, especially when paid off monthly.  In addition to convenience, a key reason to consider a credit card for regular transactions is to establish and sustain a solid credit score, which is essential to securing the best loan rates.

Plus, there are built-in purchase protection and card management features with our CardNav solution that help protect your finances. Your purchases will have Price Protection+ which reimburses you the price difference on eligible items should you find a lower price within 60 days from the date of purchase. You also receive Extended Warranty+ coverage which doubles the time on the original manufacturer’s or store brand warranty for up to one year on eligible purchases.

For the times when you use a credit card, we want to be your provider. 



  • Save time with e-signature credit card closing documents
  • No balance transfer fees
  • 24-hour online account access
  • Secure EMV chip technology
  • No increase in APR for Balance Transfers and Cash Advances

Available Cards

Classic Card

Our Classic Credit Card is available to our members who have built a good credit history and to reward you for that hard work, we are also offering an introductory APR special.

  • Competitively Low variable APRs starting at 7.74%*
  • Introductory APR special for 6 months. See the details at the top of this page.
  • No annual fee

Genesis Credit Card and Secured Genesis Credit Card

Our Genesis Credit Cards will satisfy your need for a convenient borrowing option and access to funds. These are available to our members looking to begin building, improving, or rebuilding credit. If you have no credit history or past credit problems, our Secured Genesis Card allows you to use your funds in one of our savings accounts as “collateral” to secure this credit card while your savings continue to earn interest!

  • No annual fee

Ministry Classic Credit Card

The Ministry Classic Credit Card is a simple and convenient card designed just for LCMS congregations, congregation-owned schools and LCMS districts.  This credit card can help keep your entity’s expenses on track and improve expense record-keeping while maintaining the buying power you need to operate.

  • No annual fee
  • No personal guarantee, meaning approval is based on the entity’s financials as opposed to anyone individual.
  • Manage security with CardNav app to control the use, amounts, merchants and more
  • Our product and service solutions solely benefit The LCMS!

Remember this credit card is available for Members only. If your entity has not already become a member please complete the membership application and the Ministry Classic Credit Card application by clicking here. If your entity is already a member of Lutheran Federal Credit Union, please complete ONLY the Ministry Classic Credit Card Application section (pages 10-13).

-If you have your membership number click below to apply now for the Ministry Classic Credit Card.

How Will I Receive My Monthly Billing Statements?

Each month, an EMAIL notice will be sent to the primary borrower’s email address reminding you that your monthly E-statement is ready for viewing and\or printing. To access your monthly E-statements, just login to your Online Home Banking account, choose “Online Services” and then “E-statements”.

How Can I Make My Loan Payments?

There are many options for setting up your monthly payments. You may set up a one-time or recurring payment by choosing the applicable option under the “Transfers” tab within your Online Home Banking account if LutheranFCU is your primary financial institution. Other payment set-up options include using your online bill pay service from your primary financial institution or you can authorize LutheranFCU to automatically set up your monthly payments by ACH. To set up your payment by ACH, please complete the Automated Electronic Loan Payment form. Once signed and completed, please email the form to or fax it to 314-394-2799. If you don’t have a scanner or a fax machine, you may take a picture of your completed form using your smartphone camera and send it to us that way.

*APR=Annual Percentage Rate. Rate referenced is the lowest rate possible for qualified consumer/personal borrowers and is based on meeting specific underwriting criteria. This offer is for new LutheranFCU Classic Credit cardholders only.

+ View the LutheranFCU Mastercard benefits brochure here.

See LutheranFCU’s Credit Card Disclosure

To report a lost or stolen card call (888) 241-2510. For calls outside USA, call (909) 941-1398.