Credit union · NCUA insured
Lafayette Federal Credit Union Credit Card Rates
Top CarrotLafayette Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Lafayette Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Lafayette Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Lafayette Federal Credit Union
11.90%APR
- Up to
- 18.00% APR
Platinum Mastercard® Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
Lafayette Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lafayette 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.
Platinum Mastercard® Credit Card
Membership required. APR is variable based on the Wall Street Journal Prime Rate plus a margin ranging from 4.90% to 13.90% determined by creditworthiness. Maximum APR is 18.00%. Margin subject to review every 6 months.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.65%–18.00% | None | Purchase, Balance Transfer and Cash Advance APR. Variable rate determined by creditworthiness at account opening; margin of 4.90% to 13.90% over WSJ Prime Rate, maximum 18.00% APR. |
Sources (2)
All captured Oct 4, 2026
Who can join Lafayette 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live or work in the specified area of Montgomery County, Maryland known as Potomac (bounded by defined roads and excluding the U.S. Navy Ship Research and Development Center military reservation) are eligible to join.
Employers and groups
- Direct-hire individuals employed by or retired from Lafayette Federal Credit Union's Select Employee Groups are eligible for membership.
- Residents of Maryland, Washington, D.C., or Virginia are eligible to join by becoming a member of the American Consumer Council (ACC), with membership handled at no cost by the credit union.
- Individuals living anywhere in the United States can join by becoming a member of the Home Ownership Financial Literacy Council (HOFLC) for a one-time $10 fee.
Family and household
- Immediate family members of current members (grandparents, parents, spouses, children including foster and adopted, grandchildren, and siblings) and un-remarried spouses of persons who died while employed by eligible organizations are eligible to join.
Cost to join
- A one-time $10 fee is required for automatic enrollment in the Home Ownership Financial Literacy Council (HOFLC).
- A $50 minimum balance is required to open and maintain a Lafayette Federal share savings account.
Membership information collected October 4, 2026.