Credit union · NCUA insured
Library of Congress Federal Credit Union Credit Card Rates
Top CarrotLibrary of Congress Federal Credit Union credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Library of Congress Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Library of Congress Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Library of Congress Federal Credit Union
9.75%APR
- Up to
- —
Visa 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
Library of Congress Federal Credit Union credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Library of Congress 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.
Visa Credit Card
Fixed rate card. No annual fees, no cash advance fees, no balance transfer fees, no over-limit fees, no pre-payment penalties. 25-day grace period on new purchases. Foreign transaction fee up to 1.00% of each transaction in U.S. dollars. Late payment fee and returned payment fee up to $25.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Purchases APR (fixed rate; monthly periodic rate 0.8125%). 25-day grace period on purchases if full balance is paid by due date. |
| Ongoing | 8.75% | None | Balance Transfers APR (fixed rate; monthly periodic rate 0.7292%). Interest begins charging on transaction date. No balance transfer fees. |
Sources (4)
- lcfcu.org/loans/personal/credit-card
- lcfcu.org/loans/personal/credi…-credit-card-disclosures
- lcfcu.org/resources/rates/rates-2
- lcfcu.org
All captured Oct 22, 2026
Who can join Library of Congress Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of AARP who work in, or are paid or supervised from Washington, D.C. are eligible to join.
- Members and employees of American Booksellers Association in Harrison, NY who qualify in accordance with its charter and bylaws are eligible to join.
- Voting members and employees of the American Library Association are eligible to join.
- Employees of Strategic Partner organizations or companies are eligible to join.
Military, government and schools
- Employees of the Institute of Museum & Library Services who work in, or are paid or supervised from Washington, D.C. are eligible to join.
- Employees of the Library of Congress and other Federal employees in the Library of Congress building are eligible to join.
5 more ways to join
Military, government and schools
- Contractors who work for the Library of Congress are eligible to join.
- Employees of the Office of Compliance who work in Washington, D.C. are eligible to join.
- Employees of the Supreme Court of the United States who work in or are paid or supervised from Washington, D.C. are eligible to join.
Family and household
- Family members (including spouse, parents, grandparents, grandchildren, and other family members) and people maintaining a single economic unit (such as domestic partners, roommates, and legal guardian relationships) with eligible employees are eligible to join.
Other ways
- Employees, unit owners, and residents of The Forum Condominium in North Bethesda, MD are eligible to join.
Membership information collected October 4, 2026.