Credit union · NCUA insured
CenLA Federal Credit Union Credit Card Rates
CenLA Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How CenLA Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Alexandria, LA, where CenLA Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CenLA Federal Credit Union
9.90%APR
CenLA FCU Visa® Platinum Card
Lowest rate
DOCCU
8.90%APR
2nd-lowest rate
First Federal Bank of Louisiana
8.90%APR
CenLA Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CenLA 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.
CenLA FCU Visa® Platinum Card
Rates based on creditworthiness and subject to credit approval. 25-day grace period on new purchases. Minimum monthly payment is 3% of total new balance or $25, whichever is greater. No annual fee, no balance transfer fee, and no cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | Introductory rate of 0.00% APR on balance transfers for a period of six billing cycles. After that, regular APR applies based on creditworthiness. |
| Ongoing | 9.90% | None | Based on creditworthiness. Rate tier corresponding to Visa Platinum Disclosure 9.9%. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 10.80% | None | Based on creditworthiness. Rate tier corresponding to Visa Platinum Disclosure 10.8%. Applies to purchases, balance transfers, and cash advances. |
| Ongoing | 12.60% | None | Based on creditworthiness. Rate tier corresponding to Visa Platinum Disclosure 12.6%. Applies to purchases, balance transfers, and cash advances. |
Who can join CenLA 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This may be incomplete or out of date, so check with the credit union before you apply.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 open to anyone who lives, works, worships, or attends school in Catahoula, Grant, LaSalle, Rapides, and Winn Parishes.
Employers and groups
- Membership is open to employees of Union Tank Car.
Military, government and schools
- Membership is open to LA Special Education employees.
- Membership is open to school employees in Catahoula, Grant, LaSalle, Rapides, Winn, and Vernon Parishes.
Family and household
- Membership is open to family members of school employees in Catahoula, Grant, LaSalle, Rapides, Winn, and Vernon Parishes.
Membership information collected October 5, 2026.