Credit union · NCUA insured
UNOFCU Credit Card Rates
UNOFCU credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How UNOFCU’s credit card rates compare
Compared with banks and credit unions near New Orleans, LA, where UNOFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UNOFCU
9.50%APR
- Up to
- —
Privateer Platinum
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
UNOFCU credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UNOFCU 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.
Privateer Platinum
Members not approved for our 0.00% card will automatically be reviewed for a UNOFCU Visa Classic and our Visa Secured Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate for 12 months; only available to members who have not had an open VISA Platinum Card within the past 6 months. |
| Ongoing | 9.50% | None | Fixed rate after 12 months. |
Sources (1)
- unofcu.org/borrow · captured Oct 7, 2026
Visa Classic or Secured
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Fixed Rate. |
Sources (1)
- unofcu.org/borrow · captured Oct 7, 2026
Who can join UNOFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents, employers, employees, and individuals who worship or attend school in St. Bernard Parish and Orleans Parish are eligible to join.
Military, government and schools
- Alumni of the University of New Orleans are eligible to join UNOFCU.
- Faculty and staff of the university community are eligible to join UNOFCU.
- Currently enrolled international students at LSU New Orleans are eligible for membership.
- Current and transfer students of LSU New Orleans / University of New Orleans are eligible to join.
Family and household
- Parents of LSU New Orleans students may open an account or be a joint member with their student.
Cost to join
- A $5.00 membership fee is waived for international students.
- A $5.00 membership fee is standard but waived for incoming and transfer students.
Membership information collected October 5, 2026.