Credit union · NCUA insured
LAFCU Credit Card Rates
Top CarrotLAFCU credit cards start at 8.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How LAFCU’s credit card rates compare
Compared with banks and credit unions near Lansing, MI, where LAFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
LAFCU
8.49%APR
- Up to
- —
Simple Visa
2nd-lowest rate
Consumers Credit Union
8.99%APR
- Up to
- 22.99% APR
3rd-lowest rate
MSU Federal Credit Union
9.90%APR
- Up to
- 17.90% APR
LAFCU credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LAFCU 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.
Rewards Visa
LAFCU membership is required. 10 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | As low as rate. All credit cards offer a 10 day grace period. |
| Intro, 12 months | 2.99% | None | Balance transfer promotional rate is good for 12 months from the date of each transfer. Offer not valid for existing LAFCU credit card balances. After promotional rate, APR will vary from 8.49% to 21.74%. LAFCU membership is required. |
Secured
LAFCU membership is required. 10 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | As low as rate. All credit cards offer a 10 day grace period. |
| Intro, 12 months | 2.99% | None | Balance transfer promotional rate is good for 12 months from the date of each transfer. Offer not valid for existing LAFCU credit card balances. After promotional rate, APR will vary from 8.49% to 21.74%. LAFCU membership is required. |
Simple Visa
LAFCU membership is required. 10 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.49% | None | As low as rate. All credit cards offer a 10 day grace period. |
| Intro, 12 months | 2.99% | None | Balance transfer promotional rate is good for 12 months from the date of each transfer. Offer not valid for existing LAFCU credit card balances. After promotional rate, APR will vary from 8.49% to 21.74%. LAFCU membership is required. |
Visa Signature
LAFCU membership is required. 10 day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.24% | None | As low as rate. All credit cards offer a 10 day grace period. |
| Intro, 12 months | 2.99% | None | Balance transfer promotional rate is good for 12 months from the date of each transfer. Offer not valid for existing LAFCU credit card balances. After promotional rate, annual percentage rate will vary from 8.49% to 21.74% APR. Rates, terms, and conditions are subject to change at any time. LAFCU membership is required. 1% foreign transaction fee where applicable. Other restrictions may apply. |
Who can join LAFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and businesses are eligible to join if they live, work, worship, attend school in, or own a business located anywhere in the state of Michigan.
Membership information collected October 5, 2026.