Credit union · NCUA insured
LOCO Credit Union Credit Card Rates
LOCO Credit Union credit card rates start at 13.90% APR. Rates checked October 22, 2026.
How LOCO Credit Union’s credit card rates compare
Compared with banks and credit unions near Alamogordo, NM, where LOCO Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
LOCO Credit Union
– –
No ongoing APR published
Lowest rate
Otero Federal Credit Union
5.99%APR
2nd-lowest rate
Pioneer Bank
13.99%APR
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.
Credit Card
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Intro rate for first 6 months, then 13.90% APR. Rate based on creditworthiness and term of loan. |
| Ongoing | 13.90% | None | Post-introductory rate following the first 6 months. Rate based on creditworthiness and term of loan. |
Sources (1)
- lococreditunion.com/credit-card · captured Oct 7, 2026
Who can join LOCO 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This may be incomplete or out of date, so check with the credit union before you apply.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 residents of Otero County.
Employers and groups
- Membership is open to employees of LOCO Credit Union.
Military, government and schools
- Membership is open to active Board of Regents, School Board members, and School employees in Lincoln, Catron, Socorro, Torrance, Guadalupe, DeBaca, Hidalgo, Union, and Harding Counties.
- Membership is open to Loving School Employees in the State of New Mexico.
Family and household
- Membership is open to immediate family members (defined as any relative by blood or marriage, or foster and adopted children) of qualifying individuals.
Membership information collected October 4, 2026.