Credit union · NCUA insured
705 FCU Credit Card Rates
Top Carrot705 FCU credit card rates start at 7.90% APR. Rates checked October 16, 2026.
How 705 FCU’s credit card rates compare
Compared with banks and credit unions near Lafayette, LA, where 705 FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
705 FCU
– –
- Annual fee
- —
- Up to
- —
No ongoing APR published
Lowest rate
Acadian FCU
9.20%APR
- Annual fee
- $10
- Up to
- —
2nd-lowest rate
CUSA Federal Credit Union
9.90%APR
- Annual fee
- None
- Up to
- 14.90% APR
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 APR for retail purchases and cash advances. Monthly minimum payment is 2% of outstanding balance. Maximum credit amount is $20,000 with a 36-month term. APR can be increased after consummation. Requires membership and a $25 deposit in share savings.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Credit Rating A+ / A. Fixed rate for retail purchases or cash advances. No introductory rate or annual fees. Monthly minimum payment is 2% of outstanding balance. Maximum credit limit $20,000 with a 36-month term. |
| Ongoing | 9.90% | None | Credit Rating B. Fixed rate for retail purchases or cash advances. No introductory rate or annual fees. Monthly minimum payment is 2% of outstanding balance. Maximum credit limit $20,000 with a 36-month term. |
| Ongoing | 11.90% | None | Credit Rating C. Fixed rate for retail purchases or cash advances. No introductory rate or annual fees. Monthly minimum payment is 2% of outstanding balance. Maximum credit limit $20,000 with a 36-month term. |
| Ongoing | 13.90% | None | Credit Rating D. Fixed rate for retail purchases or cash advances. No introductory rate or annual fees. Monthly minimum payment is 2% of outstanding balance. Maximum credit limit $20,000 with a 36-month term. |
| Ongoing | 15.90% | None | Credit Rating E. Fixed rate for retail purchases or cash advances. No introductory rate or annual fees. Monthly minimum payment is 2% of outstanding balance. Maximum credit limit $20,000 with a 36-month term. |
Sources (3)
All captured Oct 5, 2026
Who can join 705 FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current and retired employees of partner Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Current and retired employees of specified federal government entities and the USPS in the 705 Zip Code Area are eligible for membership.
- Current and retired employees of eligible local government entities (such as Lafayette Clerk of Court, Iberia Clerk of Court, City of Carencro, and contracted Lafayette Sheriff Department deputies) are eligible for membership.
Family and household
- Family members of a current 705 FCU member and spouses of deceased employees who qualified for membership are eligible to join.
Cost to join
- Members must maintain a $25 share deposit in their savings account at all times.
Membership information collected October 5, 2026.