Credit union · NCUA insured
THE LOCAL Credit Union Credit Card Rates
THE LOCAL Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How THE LOCAL Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where THE LOCAL Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
THE LOCAL Credit Union
10.90%APR
Visa Platinum
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
THE LOCAL Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where THE LOCAL 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 Platinum
Fixed rates. Limits up to $20,000.00. No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Rates as low as 10.90% APR. Limits up to $20,000.00. No annual fee. Fixed rates. No balance transfer fees. |
Sources (1)
- thelocalcreditunion.com/loans/visa-credit-card.html · captured Oct 7, 2026
Visa Platinum with ScoreCard Rewards
Fixed rates. Limits up to $20,000.00. No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Rates as low as 12.90% APR. Limits up to $20,000.00. No annual fee. Fixed rates. No balance transfer fees. |
Sources (1)
- thelocalcreditunion.com/loans/visa-credit-card.html · captured Oct 7, 2026
Who can join THE LOCAL Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who is a member of a union local headquartered in Macomb, Oakland, or Wayne County is eligible to join.
Family and household
- All family members of eligible individuals are eligible to join.
Other ways
- Retirees receiving a pension or social security are eligible to join.
Membership information collected October 5, 2026.