Credit union · NCUA insured
Los Angeles Federal Credit Union Credit Card Rates
Los Angeles Federal Credit Union credit cards start at 10.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Los Angeles Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Los Angeles Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Los Angeles Federal Credit Union
10.49%APR
- Up to
- 18.00% APR
Platinum
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
- —
Los Angeles Federal Credit Union credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR10.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Los Angeles 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.
Platinum
LAFCU membership required. Credit limit up to $50,000. Variable APR based on the Prime Rate. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49%–18.00% | None | Variable APR based on Prime Rate (10.49% to 18.00%) for purchases, balance transfers, and cash advances depending on creditworthiness. Maximum credit limit up to $50,000. No annual fee. |
Sources (3)
All captured Oct 6, 2026
Share-Secured Platinum
Secured to share savings account. Credit limit up to $5,000. Non-variable fixed rate. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Lowest APR stated as 10.00% non-variable. Secured to share savings account. Maximum credit limit up to $5,000. No annual fee. |
Signature Rewards Platinum
LAFCU membership required. Credit limit up to $50,000. Variable APR based on the Prime Rate. Earns CURewards points. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | Variable APR based on Prime Rate (12.49% to 18.00%) for purchases, balance transfers, and cash advances depending on creditworthiness. Maximum credit limit up to $50,000. No annual fee. Earns CURewards points. |
Sources (3)
All captured Oct 6, 2026
Student Platinum
Designed for college students. Credit limit up to $1,000. Non-variable fixed rate. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65% | None | Lowest APR stated as 12.65% non-variable. Available for college students. Maximum credit limit up to $1,000. No annual fee. |
Who can join Los Angeles Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible by making an $8.00 donation to join the LOS ANGELES CHARITIABLE ASSOCIATION, INC., if you live or have a business in Los Angeles, Orange, Riverside, San Bernardino, or Ventura counties.
Military, government and schools
- Eligible if you work for the City of Los Angeles, CA.
Cost to join
- A $5 one-time LAFCU membership fee is required when opening an account.
- Opening deposit requires a $5 minimum savings account deposit in a Regular Share Savings account.
Membership information collected October 5, 2026.