Credit union · NCUA insured
Total Choice Federal Credit Union Credit Card Rates
Total Choice Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Total Choice Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New Orleans, LA, where Total Choice Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Total Choice Federal Credit Union
10.90%APR
- Up to
- —
VISA® Gold
Lowest rate
Post Office Employees Credit Union
6.90%APR
- Up to
- 19.90% APR
2nd-lowest rate
EPIC Federal Credit Union
6.99%APR
- Up to
- 18.00% APR
Total Choice Federal 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 Total Choice 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.
College Student VISA®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50% | None | Revolving term. |
Sources (1)
- totalchoicefcu.com/loan-rates · captured Oct 7, 2026
Secured VISA®
Additional sub share is required, Minimum limit is $250.00, maximum limit is $1600.00. An additional $100.00 is required to put on hold to secure your credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Revolving term. |
Sources (2)
All captured Oct 7, 2026
VISA® Classic
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Revolving term. |
Sources (1)
- totalchoicefcu.com/loan-rates · captured Oct 7, 2026
VISA® Gold
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Revolving term. |
Sources (1)
- totalchoicefcu.com/loan-rates · captured Oct 7, 2026
Who can join Total Choice 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, or worships in Saint Charles, Saint John, and Saint James Parishes is eligible for membership.
Family and household
- Immediate family members and individuals sharing a household with an existing member are eligible to join.
Cost to join
- A minimum deposit of $5.00 into a savings account is required.
- A one-time membership service charge of $5.00 is required.
Membership information collected October 5, 2026.