Credit union · NCUA insured
LBS Financial Credit Card Rates
LBS Financial credit cards start at 11.15% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How LBS Financial’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where LBS Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
LBS Financial
11.15%APR
- Up to
- 17.15% APR
Onshore Credit Card
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
LBS Financial credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LBS 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.
Onshore Credit Card
No annual fees. 25-day grace period for payments. Variable rate tied to the Prime Rate plus a margin, adjusted quarterly.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.15%–17.15% | None | Variable rate subject to change after account opening; tied to Prime Rate published in WSJ plus margin and adjusted quarterly. |
Sources (1)
- lbsfcu.org/loans/credit/credit-card · captured Oct 16, 2026
Platinum Rewards Credit Card
No annual fees. 25-day grace period for payments. Variable rate tied to the Prime Rate plus a margin, adjusted quarterly.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.15%–19.15% | None | Variable rate subject to change after account opening; tied to Prime Rate published in WSJ plus margin and adjusted quarterly. Earn 1 point per dollar spent. |
Sources (1)
- lbsfcu.org/loans/credit/credit-card · captured Oct 16, 2026
Who can join LBS Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Orange, Riverside, San Diego, or San Bernardino counties, or in designated cities within Los Angeles County.
Employers and groups
- Employees of participating select employer groups and qualifying organizations are eligible for membership.
Military, government and schools
- Employees of specified schools, school districts, and associated educational organizations are eligible for membership.
- Students, CSULB alumni association members, and family members of students attending CSULB, Cerritos Community College, or Long Beach City College are eligible for membership.
Family and household
- Immediate family members (parent, child, spouse/domestic partner, sibling, grandparent, grandchild, step, or adoptive relation) of existing members are eligible for membership.
Other ways
- California residents and workers who do not otherwise qualify may join LBS Financial by joining the Financial Fitness Association for an additional one-time fee of $8.00.
Cost to join
- Maintain a minimum $5 share deposit in a Share Savings account to establish and maintain membership.
- A one-time membership fee of $1 per Member is required to join.
Membership information collected October 5, 2026.