Credit union · NCUA insured
The Local Federal Credit Union Credit Card Rates
The Local Federal Credit Union credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How The Local Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where The Local Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
The Local Federal Credit Union
13.50%APR
MasterCard
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
The Local Federal Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
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 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.
MasterCard
Available to qualified members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | 25-day grace period. Daily periodic rate of 0.036986% corresponds to 13.5% APR. |
Sources (2)
All captured Oct 6, 2026
Who can join The Local Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Any member of an existing member's immediate family can become a member.
Cost to join
- Joining requires opening a savings account with an initial share deposit of $25, which is held on deposit while a member.
Membership information collected October 5, 2026.