Credit union · NCUA insured
LGWFCU Credit Card Rates
Top CarrotLGWFCU credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How LGWFCU’s credit card rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where LGWFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
LGWFCU
7.90%APR
- Up to
- 16.90% APR
Visa Credit Card
2nd-lowest rate
Memphis City Employees Credit Union
7.90%APR
- Up to
- 16.90% APR
3rd-lowest rate
Nucor Employee's Credit Union
8.75%APR
- Up to
- —
LGWFCU credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LGWFCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Credit Card
Fixed rates; credit limit up to $15,000.00; subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90%–16.90% | None | Rate depends on borrower's credit score; maximum credit limit of $15,000.00. |
| Intro, 6 months | 0.00% | None | Introductory 0.00% APR for the first 6 months from opening date for new Consumer Credit Cards opened from June 1, 2026, through July 31, 2026; after introductory period, APR ranges from 7.90% to 16.90% depending on credit score; billed 2.00% of balance during promotional 6 months. |
Sources (3)
All captured Oct 5, 2026
Who can join LGWFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Memphis Light, Gas & Water employees are eligible to join LGWFCU.
- Memphis Light, Gas & Water retirees are eligible to join LGWFCU.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of Memphis Light, Gas & Water employees and retirees are eligible to join LGWFCU.
Membership information collected October 5, 2026.