Credit Card Rates
Great rates for everyday purchases and life’s necessities.
We help keep monthly payments under control
LAPFCU's Visa cards all feature an initial rate of 0% APR. But even after the introductory period ends, our rates stay low so that you have more money to spend on shopping trips and everything else in your life.
PLATINUM REWARDS VISA
Earn REWARDS POINTS with every purchase;* then redeem for cash, travel, and more!
- 3 points for every $1 spent on grocery purchases
- 2 points for every $1 spent on gas purchases
- 1 point for all other purchases
| Interest Rates and Interest Charges | |
|---|---|
| Maximum Limit: | $100,000 |
| Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances | 0.00% introductory APR for six months*. After that, your variable APR rate will be between 13.65% and 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Penalty APR and when it applies | 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases and Balance Transfers | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
EFFECTIVE RATE DATE: October 2, 2023
*
APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
PLATINUM REWARDS VISA FEES
| Fees | |
|---|---|
| Annual Fee | None |
| Balance Transfer | None |
| Transaction Fees – Cash Advance | Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). |
| Transaction Fees – Foreign Transactions | 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars |
| Penalty Fees – Late Payment | Up to $15.00 |
| Penalty Fees – Returned Payment | Up to $25.00 |
How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at (877) 695-2732, or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.
CLASSIC VISA
| Interest Rates and Interest Charges | |
|---|---|
| Maximum Limit: | $100,000 |
| Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances | 0.00% introductory APR for six months*. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness. |
| Penalty APR and when it applies | 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases and Balance Transfers | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
EFFECTIVE RATE DATE: October 1, 2022
*
APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
CLASSIC VISA FEES
| Fees | |
|---|---|
| Annual Fee | None |
| Balance Transfers | None |
| Transaction Fees – Cash Advance | Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). |
| Transaction Fees – Foreign Transactions | 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars |
| Penalty Fees – Late Payment | Up to $15.00 |
| Penalty Fees – Returned Payment | Up to $25.00 |
How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at (877) 695-2732, or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.
MY FIRST VISA
| Interest Rates and Interest Charges | |
|---|---|
| Maximum Limit: | $2,500 |
| Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances | 0.00% introductory APR for six months*. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness. |
| Penalty APR and when it applies | 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases and Balance Transfers | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
EFFECTIVE RATE DATE: October 1, 2022
*
APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
MY FIRST VISA FEES
| Fees | |
|---|---|
| Annual Fee | None |
| Balance Transfers | None |
| Transaction Fees – Cash Advance | Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). |
| Transaction Fees – Foreign Transactions | 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars |
| Penalty Fees – Late Payment | Up to $15.00 |
| Penalty Fees – Returned Payment | Up to $25.00 |
How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at (877) 695-2732, or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.
LAPFCU is a full-service credit union for sworn, civilian, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.