Lighthouse Anchor Visa® Credit Card
Start your journey, build, or rebuild your credit with a low rate, no annual fee,1 and a secured option.
With you along your credit journey
- Low rate and no annual fee1
- Contactless payments with mobile wallets
- Secured option helps build credit
- Visa’s Zero Liability2 means peace of mind
New to Credit?
Building credit history takes time. The Lighthouse Anchor Card is a great way to start. Your credit limit will equal the amount set aside in a separate account.
Annual Fee? Not Here!1
Low rates and no annual fee mean the Lighthouse Anchor Card works for you. Isn’t that the way it should be?
Credit Card Rates
Effective 10/06/2026
| Card Type | APR As Low As¹ | Description |
|---|---|---|
| Lighthouse Anchor Card | 12.74% | Variable rate |
| Lighthouse Navigator Card | 15.74% | Variable rate |
Anchor Card Disclosure
- Annual Percentage Rates (APR) range from 12.74% to 15.74% based on card type; accurate as of 09/18/2026 and subject to change without notice. APR is variable and may change after account opening. Foreign transaction fee is 1.00% of the amount of each foreign transaction in U.S. dollars. Late payment fee is between $10 and $25 based on the amount owed but will not exceed the payment amount due. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings account. All loans subject to credit approval.
- With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized purchases made with your Visa® credit card if it’s lost, stolen, or fraudulently used—whether in person, online, or over the phone. This protection does not apply to certain commercial cards, anonymous prepaid cards, or transactions where you have been negligent or involved in fraud. Unauthorized transactions must be reported to Lighthouse Credit Union immediately upon discovery. Please see the Visa Cardholder Agreement and Visa’s Zero Liability web page for additional information.
- 24/7 fraud monitoring is provided by Enfact® and is designed to help detect suspicious activity on your account. While this service provides continuous monitoring, it does not prevent all types of fraud or unauthorized transactions. Cardholders are responsible for taking reasonable care to protect their card and account information and must promptly report any unauthorized activity. Additional terms and conditions may apply.
- Visa is a registered trademark of the Visa International Service Association.
Banking on the Go
Manage your accounts on the go with the Lighthouse Mobile Banking app
- Access all of your Lighthouse accounts
- Make easy, secure loan payments
- Mobile deposit your checks*
*Mobile check deposit is only available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details.
Membership means more at Lighthouse
Being a credit union member supports community impact by helping fund local programs through reinvested earnings.
Affordable Housing
We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.
Volunteering
Our employees are given paid time off to volunteer for community programs of their choice.
Local Organizations
We partner with organizations that help to enrich and nourish the lives of our neighbors.
Food Access
We fund programs that help fight food insecurity across our communities.
Credit Card FAQs
How does the Lighthouse Anchor Card help my credit history?
As you make your payments on-time each month, we’ll report that to the credit bureaus. Your credit score and history can improve with each on-time payment and continued responsible use of your available credit.
How does the secured card work?
Opening a secured card is a great way to build credit. With this option, your credit limit will be equal to funds that you set aside in a savings account (at least $550). Making on-time payments and showing responsible use of your available credit helps your credit score and history.
Is there an annual fee or other hidden fees?
There’s no annual fee1 on the Lighthouse Anchor Card, secured or unsecured. Additionally, there are no balance transfer or cash advance fees,1 although they do accrue interest different than purchases do. Please see our Schedule of Fees and Credit Card Terms & Conditions for full details.
What is Visa's Zero Liability policy?2
Visa Zero Liability policy means you’re never on the hook for unauthorized or fraudulent charges to your Lighthouse Anchor Card. Read more about Visa’s Zero Liability policy and how it keeps you protected.