Credit union · NCUA insured
EFCU Financial Credit Card Rates
EFCU Financial credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 7, 2026.
How EFCU Financial’s credit card rates compare
Compared with banks and credit unions near Baton Rouge, LA, where EFCU Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
EFCU Financial
11.00%APR
- Up to
- 18.00% APR
MasterCard Credit Card (Fixed Rate Card)
Lowest rate
BRECO FCU
7.90%APR
- Up to
- —
2nd-lowest rate
DOCCU
8.90%APR
- Up to
- —
EFCU Financial credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EFCU Financial 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.
MasterCard Credit Card (Fixed Rate Card)
Approval and annual percentage rates are based on creditworthiness and credit qualifications. Rates apply to new loans only and are subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00%–18.00% | None | Credit card rates are based on credit qualifications and will be in this range. Approval and annual percentage rates based on credit worthiness. Rates apply to new loans only. Revolving terms. |
Sources (3)
- efcufinancial.org/_/kcms-doc/1…er-2026-Rate-Sheet-2.pdf
- efcufinancial.org/loans/credit-cards/platinum-mastercard
- efcufinancial.org/rates.html
All captured Oct 7, 2026
Platinum Mastercard
Approval is based on creditworthiness. Rates are subject to change. Membership is required to apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00%–18.00% | None | Revolving credit line. Rates are based on credit qualifications. Approval and APR are based on creditworthiness. No cash advance fee. Earn rewards points redeemable for 1% cash back on every purchase. |
Sources (2)
All captured Oct 7, 2026
Who can join EFCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- EFCU Financial operates under a community charter encompassing nine parishes: Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, and West Feliciana.
Cost to join
- Membership is free with no hidden costs to be an EFCU Financial member.
Membership information collected October 5, 2026.