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Anchor Credit Card

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.

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With you everywhere on your credit journey

Whether you’re new to credit, building or rebuilding your credit history, or ditching high-rate cards, the Lighthouse Anchor Visa credit card has you covered. Get started today with a low rate, no annual fee1, and the comfort of knowing your purchases are backed by Visa’s Zero Liability2 guarantee.

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Terms and Conditions

1

Low rate and no annual fee1

2

Contactless payments with mobile wallets

3

Secured option helps build credit

4

Visa’s Zero Liability2 means peace of mind

New to Credit?

Our secured option helps build your credit history

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.

You’re never on the hook for fraud or unauthorized purchases with Visa’s Zero Liability2 policy. Plus, 24/7 fraud monitoring3 always has your back.

Fraud Protection

24/7 monitoring3 and Visa’s Zero Liability policy2

Annual Fee? Not Here!1

Big benefits without the big annual fees

Low rates and no annual fee mean the Lighthouse Anchor Card works for you. Isn’t that the way it should be?

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Credit Card Rates

Card TypeAPR As Low As¹Description
Lighthouse Anchor Card13.49%
Variable rate
Lighthouse Navigator Card16.49%Variable rate

Anchor Card Disclosure

  1. Annual Percentage Rates (APR) range from 13.24% to 16.24% based on card type; accurate as of 06/01/2025 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.
  2. 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.
  3. 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.

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FAQs

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.

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.

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.

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.

Banking on the Go

Download the Lighthouse Mobile Banking app and manage your accounts on the go.
  • 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 inpact by helping fund local programs through reinvested earnings. 

Become a Member

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.