Credit union · NCUA insured
Cal State LA Federal Credit Union Credit Card Rates
Cal State LA Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Cal State LA Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Cal State LA Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Cal State LA Federal Credit Union
10.90%APR
- Up to
- —
Visa Classic
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
Cal State LA Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cal State LA Federal Credit Union 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 Classic
Rate is based on creditworthiness/credit score upon account opening. Fixed rates as low as 10.90% APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Qualifying credit score tier: 730+ |
| Ongoing | 12.90% | None | Qualifying credit score tier: 729-670 |
| Ongoing | 14.90% | None | Qualifying credit score tier: 669-640 |
| Ongoing | 15.90% | None | Qualifying credit score tier: 639-610 |
| Ongoing | 16.90% | None | Qualifying credit score tier: 609-580 |
| Ongoing | 17.90% | None | Qualifying credit score tier: 579-549 |
Sources (2)
All captured Sep 16, 2026
Visa Secured
Rate is not based on creditworthiness. Credit line is equal to a deposit on hold at the credit union.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Credit line is equal to a deposit on hold at the credit union; rate is not based on creditworthiness |
Sources (2)
All captured Oct 7, 2026
Who can join Cal State LA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to those who live, work, worship, or go to school in El Sereno.
- Residents of Los Angeles County may join by joining the Cal State LA Friends of the Alumni Association for a $50.00 application fee (pending review/qualification).
Employers and groups
- Membership is available to members of the El Sereno Chamber of Commerce.
- Membership is available to employees of Goodwill Industries.
- Membership is available to employees of Grifols.
- Membership is available to employees of approved Select Employee Groups.
5 more ways to join
Military, government and schools
- Membership is available to members of the Cal State LA Alumni Association.
- Membership is available to Cal State LA faculty, staff, and students.
- Membership is available to employees of the cities of Vernon, Bell, Bell Gardens, Cudahy, Maywood, and Huntington Park.
- Membership is available to Cal State LA retirees who retired from employment at Cal State LA.
Family and household
- Membership is available to family members of credit union members.
Cost to join
- An opening deposit of at least $25 is required to open an account.
Membership information collected October 5, 2026.