Credit union · NCUA insured
LOC Credit Union Credit Card Rates
LOC Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How LOC Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where LOC Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
LOC Credit Union
12.50%APR
- Up to
- 25.00% APR
Visa Platinum Credit Card
Lowest rate
Construction Federal Credit Union
6.87%APR
- Up to
- —
2nd-lowest rate
Polish-American FCU
6.90%APR
- Up to
- —
LOC Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LOC 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.
Share Secured Visa Credit Card
Credit limit secured with funds in a sub-savings account; secured funds are not available while credit card is open. Credit limits up to $30,000. Membership required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.00% | None | Fixed APR. |
Visa Platinum Credit Card
Approval, credit limit, and actual rate offered based on overall creditworthiness factors. Credit limits up to $30,000. Membership required (open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household of an eligible member).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50%–25.00% | None | Variable APR between 12.50% and 25.00% based on creditworthiness. No penalty APR, no cash advance fees. |
| Intro, 6 months | 5.99% | None | Introductory APR on balance transfers for six months that post to the account during the first 90 days after account opening, followed by a variable rate between 12.50% and 25.00% (reverts back to cardholder's current rate). |
Who can join LOC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in the state of Michigan.
Family and household
- Immediate family members (spouse, sibling, child, grandchild, parent, grandparent) or individuals living in the same household of a current or eligible member are eligible for membership.
Membership information collected October 5, 2026.