Holiday Hours

On Wednesday, December 24, 2025, we will be closing at 12:00PM in observation of Christmas Eve Day and we will be closed all day Thursday, December 25, 2025, in observation of Christmas Day. We will resume normal business hours on Friday, December 26, 2025. Thank you!

Credit Cards

Give Your Finances a Charge

From everyday convenience to unexpected emergencies, your Ladysmith Federal credit card puts financial flexibility right in your pocket. Choosing the right card has never been easier! Whether you're looking to pay down debt faster, maximize cash back, earn rewards, or start building your credit history, we have a card that fits your goals.

No matter which card you choose, you'll enjoy important features like:

Apply online or stop by our office to pick up your application.

Apply Online

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