Credit union · NCUA insured
Latino Community Credit Union Credit Card Rates
Latino Community Credit Union credit cards start at 16.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Latino Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Latino Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Latino Community Credit Union
16.75%APR
- Up to
- 18.00% APR
VISA® Credit Card
Lowest rate
Carolina Cooperative FCU
8.90%APR
- Up to
- —
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
- Up to
- —
Latino Community Credit Union credit card score
61
Credit card score
Higher than 3% of U.S. banks and credit unions
- Purchase APRPurchase APR16.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Latino Community 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® Credit Card
Must be a Latino Credit Union member, resident of North Carolina, proof of income and at least one year of credit history (at least one year of tax returns for self-employed).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.75%–18.00% | None | Variable APR subject to change quarterly based on the first 6-month Treasury Bill Auction plus a margin of 12.5%. No minimum interest rate, maximum rate of 18.00% Variable APR. No Annual Maintenance Fee. Grace period for purchases if balance is paid in full each month. No Cash Advance Fee. |
Sources (2)
All captured Oct 22, 2026
VISA® Secured
Must be a Latino Credit Union member, resident of North Carolina, proof of income and at least one year of credit history (at least one year of tax returns for self-employed).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75%–18.00% | None | Variable APR subject to change quarterly based on the first 6-month Treasury Bill Auction plus a margin of 7.5%. No minimum interest rate, maximum rate of 18.00% Variable APR. No Annual Maintenance Fee. No Cash Advance Fee. |
Sources (2)
All captured Oct 22, 2026
Who can join Latino Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals can qualify for membership by joining the Latino Community Development Center (LCDC) with a one-time $8 individual membership fee, residing in the US, having a valid SSN or ITIN, and possessing a valid government-issued ID.
Cost to join
- A one-time individual membership fee of $8 is required to join the Latino Community Development Center (LCDC).
Membership information collected October 4, 2026.