Credit union · NCUA insured
Luso Federal Credit Union Credit Card Rates
Luso Federal Credit Union credit cards start at 15.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Luso Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Springfield, MA, where Luso Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Luso Federal Credit Union
15.00%APR
- Annual fee
- $35
- Up to
- —
Visa Platinum Credit Card
Lowest rate
Selfreliance Federal Credit Union
9.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Freedom Credit Union
12.24%APR
- Annual fee
- None
- Up to
- 18.00% APR
Luso Federal Credit Union credit card score
61
Credit card score
Higher than 5% of U.S. banks and credit unions
- Purchase APRPurchase APR15.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Luso 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 Classic Credit Card
Minimum credit limit $500, maximum credit limit $9,999.99.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.50% | $35 | Purchase rate. Revolving line of credit. Periodic rate of 1.3759% valid on new purchases. Minimum payment is 3% of total new balance or $25.00, whichever is greater. |
| Ongoing | 18.00% | $35 | Cash advance rate. |
Sources (1)
- lusofederal.com/bank/credit-cards · captured Oct 5, 2026
Visa Credit Card Secured Loan
Pledged shares must be retained in a corresponding Visa Secured Share Savings account equal to the total credit limit and/or secured credit increase and retained as collateral until debt is repaid in full and account is terminated. Available only with Visa Classic Credit Card. Balance transfers are not allowed. Minimum credit limit $200, maximum credit limit $10,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Purchase rate. Variable rate revolving line of credit. Periodic rate of 1.0416% on new purchases. Minimum payment is 3% of total new balance or $20, whichever is greater. |
| Ongoing | 15.00% | None | Cash advance rate. Periodic rate of 1.2500% on cash advances. |
Sources (1)
- lusofederal.com/bank/credit-cards · captured Oct 5, 2026
Visa Platinum Credit Card
Minimum credit limit $10,000, maximum credit limit $20,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | $35 | Purchase rate. Variable rate account with a revolving line of credit. Periodic rate of 1.2500% valid on new purchases. Minimum payment is 3% of total new balance or $25.00, whichever is greater. |
| Ongoing | 17.50% | $35 | Cash advance rate. |
Sources (1)
- lusofederal.com/bank/credit-cards · captured Oct 5, 2026
Visa Smart Start Classic Credit Card
Applicants must be high school or college students between the ages of 18 and 26. Balance transfers are not allowed. Minimum credit limit $500, maximum credit limit $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Purchase rate. Variable rate revolving line of credit. |
| Ongoing | 15.00% | None | Cash advance rate. |
Sources (2)
All captured Oct 5, 2026
Who can join Luso 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
- Membership is open to individuals who live, work, worship, or attend school in Hampden County, Massachusetts.
Family and household
- Membership is open to relatives of current LUSO members.
Membership information collected October 5, 2026.